| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COWDEN ASSOCIATES INC Filed as: COWDEN ASSOCIATES, INC. | FOUR GATEWAY CENTER 444 LIBERTY AVENUE PITTSBURGH, PA 15222 | HIGHMARK INC. | $57K | — | $57K | 3.11% |
| COWDEN ASSOCIATES INC Filed as: COWDEN ASSOCIATES INC. | FOUR GATEWAY CENTER 444 LIBERTY AVENUE PITTSBURGH, PA 15222 | AETNA LIFE INSURANCE COMPANY | $98K | — | $98K | 7.64% |
| COWDEN ASSOCIATES INC Filed as: COWDEN ASSOCIATES INC. | FOUR GATEWAY CENTER 444 LIBERTY AVENUE PITTSBURGH, PA 15222 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $106K | — | $106K | 13.54% |
| COWDEN ASSOCIATES INC | FOUR GATEWAY CENTER 444 LIBERTY AVENUE PITTSBURGH, PA 15222 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.61% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ACE AMERICAN INSURANCE COMPANY | $348 | — | $348 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $374K |
| UNITED CONCORDIA COMPANIES INC. EIN 86-0307623 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $96K |
| LIBERTY LIFE ASSURANCE CO OF BOSTON EIN 04-6076039 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $47K |
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 | 929 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 131 | $1.8M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,599 | $391K |
| Vision(2 contracts, 2 carriers) | HIGHMARK INC. | 562 | $1.9M |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 932 | $780K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 932 | $780K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 932 | $780K |
| Prescription drug | HIGHMARK INC. | 131 | $1.8M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 722 | $1.3M |
| Other | ACE AMERICAN INSURANCE COMPANY | 300 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,599 | — |
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.