| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUR M CONSULTING INC. Filed as: FOUR M CONSULTING | P.O. BOX 1275 WEXFORD, PA 15090 | HM LIFE INSURANCE COMPANY | $134K | — | $134K | 7.00% |
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Direct payment from the plan; Claims processing Service code 12 | 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $2.5M |
| XPYRIA INVESTMENT ADVISORS EIN 25-1590035 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 450 FORT DUQUESNE BLVD. SUITE 600 PITTSBURGH, PA 15222 | $87K |
| FOOUR M CONSULTING EIN 25-1873283 NONE | Consulting (general); Direct payment from the plan Service code 16 | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | $81K |
| COLLEEN D. SIMMONS EIN 25-1002501 EMPLOYEE | Employee (plan) Service code 30 | 351 NORTHGATE CIRCLE SUITE B NEW CASTLE, PA 16105 | $77K |
| BRIDGEWAY BENEFITS TECHNOLOGY NONE | Direct payment from the plan; Other services Service code 49 | — | $53K |
| AMY HANEY EIN 25-1002501 EMPLOYEE | Employee (plan) Service code 30 | 351 NORTHGATE CIRCLE, SUITE B NEW CASTLE, PA 16105 | $38K |
| JUBELIRER, PASS & INTERIERI EIN 25-1340770 NONE | Legal; Direct payment from the plan Service code 29 | 219 FORT PITT BOULEVARD PITTSBURGH, PA 15222 | $22K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 7501 WISCONSIN AVENUE BETHESDA, MD 20814 | $14K |
| ALBANESE SINCHAR SMITH & CO. NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 12875 ROUTE 30, SUITE 22 NORTH HUNTINGDON, PA 15642 | $12K |
| PHOENIX BENEFITS GROUP, INC. EIN 20-0294810 NONE | Direct payment from the plan; Actuarial Service code 11 | 4322 BROWNSVILLE ROAD PITTSBURGH, PA 15227 | $7K |
| NELLCOM TECHNOLOGIES NONE | Direct payment from the plan; Other services Service code 49 | — | $7K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,887 | $472K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 565 | $65K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 565 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,191 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.