| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING INC | P.O. BOX 1275 WEXFORD, PA 15090 | HM LIFE INSURANCE COMPANY | $136K | $0 | $136K | 6.07% |
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING INC | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FOURM CONSULTING, INC. EIN 25-1873283 NONE | Consulting (general); Direct payment from the plan Service code 16 | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | $81K |
| XPYRIA INVESTMENT ADVISORS INC. EIN 25-1635188 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | TWO GATEWAY CENTER, SUITE 1850 PITTSBURGH, PA 15222 | $64K |
| BRIDGEWAY BENEFITS TECHNOLOGY NONE | Other services; Direct payment from the plan Service code 49 | 3000 S LENOLA RD MAPLE SHADE, NJ 08052 | $55K |
| JUBELIRER, PASS & INTERIERI EIN 25-1340770 NONE | Legal; Direct payment from the plan Service code 29 | 219 FORT PITT BOULEVARD PITTSBURGH, PA 15222 | $22K |
| CERITY PARTNERS LLC EIN 27-1180831 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 99 PARK AVE NEW YORK, NY 10016 | $21K |
| HENRY ROSSI & CO., LLP EIN 25-1698043 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 50 SECO DR A MONROEVILLE, PA 15146 | $16K |
| 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 | Actuarial; Direct payment from the plan Service code 11 | 4322 BROWNSVILLE ROAD PITTSBURGH, PA 15227 | $8K |
| NELLCOM TECHNOLOGIES NONE | Other services; Direct payment from the plan Service code 49 | 3009 WILMINGTON RD STE B NEW CASTLE, PA 16105 | $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 | 2,288 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,590 | $397K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 624 | $67K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 2,272 | $2.2M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 624 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,272 | — |
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.