| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | HIGHMARK INC | $11K | — | $11K | 0.26% |
| UPMC HEALTH PLAN3 | US STEEL TOWER 600 GRANT STREET PITTSBURGH, PA 15219 | UPMC HEALTH BENEFITS | — | — | $0 | 0.00% |
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | HM LIFE INSURANCE COVERAGE | — | — | $0 | 0.00% |
| DELAWARE VALLEY HEALTH CARE1 | 2950 SOUTHAMPTON ROAD PHILADELPHIA, PA 19154 | DELTA DENTAL OF PENNSYLVANIA | $410 | — | $410 | 0.50% |
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | DEARBORN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALBANESE SINCHAR SMITH & CO EIN 46-1686881 NONE | Accounting (including auditing) Service code 10 | 12875 ROUTE 30 SUITE 22 NORTH HUNTINGDON, PA 15642 | $19K |
| JUBELIRER PASS & INTRIERI PC EIN 25-1340770 NONE | Legal Service code 29 | 219 FORT PITT BOULEVARD PITTSBURGH, PA 15222 | $13K |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC | 300 | $5.5M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 280 | $82K |
| Vision(2 contracts, 2 carriers) | HIGHMARK INC | 300 | $5.5M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 252 | $18K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COVERAGE | 285 | $510K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 252 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.