| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | HIGHMARK INC. | $20K | $0 | $20K | 4.26% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 8.63% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 12 FEDERAL STREET PITTSBURGH, PA 15212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $833 | $0 | $833 | 0.89% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS, INC. | 1485 PRINCE CHARLES AVENUE WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $542 | $542 | 0.58% |
No Schedule C service providers reported on this filing.
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 138 | $477K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $93K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $93K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $93K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $93K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $93K |
| Prescription drug | HIGHMARK INC. | 138 | $477K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.