| 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 | AETNA LIFE INSURANCE COMPANY | $89K | — | $89K | 6.64% |
| COWDEN ASSOCIATES INC Filed as: COWDEN ASSOCIATES INC. | FOUR GATEWAY CENTER 444 LIBERTY AVENUE PITTSBURGH, PA 15222 | HIGHMARK INC. | $37K | — | $37K | 3.87% |
| COWDEN ASSOCIATES INC Filed as: COWDEN ASSOCIATES INC. | FOUR GATEWAY CENTER 444 LIBERTY AVENUE PITTSBURGH, PA 15222 | LINCOLN LIFE INSURANCE OF BOSTON | $58K | — | $58K | 18.93% |
| COWDEN ASSOCIATES INC Filed as: COWDEN ASSOCIATES INC. | FOUR GATEWAY CENTER 444 LIBERTY AVENUE PITTSBURGH, PA 15222 | LINCOLN LIFE INSURANCE OF BOSTON | $30K | — | $30K | 10.06% |
| COWDEN ASSOCIATES INC Filed as: COWDEN ASSOCIATES INC. | FOUR GATEWAY CENTER 444 LIBERTY AVENUE PITTSBURGH, PA 15222 | LINCOLN LIFE INSURANCE OF BOSTON | $13K | — | $13K | 10.06% |
| COWDEN ASSOCIATES INC Filed as: COWDEN ASSOCIATES INC. | FOUR GATEWAY CENTER 444 LIBERTY AVENUE PITTSBURGH, PA 15222 | UNITED CONCORDIA INSURANCE COMPANY | $184 | — | $184 | 0.24% |
| COWDEN ASSOCIATES INC Filed as: COWDEN ASSOCIATES INC. | FOUR GATEWAY CENTER 444 LIBERTY AVENUE PITTSBURH, PA 15222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 7.50% |
| COWDEN ASSOCIATES INC | FOUR GATEWAY CENTER 444 LIBERTY AVENUE PITTSBURGH, PA 15222 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 13.79% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ACE AMERICAN INSURANCE COMPANY | $349 | — | $349 | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVEUE HARTFORT, CT 06156 | $377K |
| LINCOLN LIFE ASSURANCE CO OF BOSTON EIN 04-6076039 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $39K |
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 | 843 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 843 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 0 | $955K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 1,702 | $455K |
| Vision | EYEMED VISION CARE | 586 | $41K |
| Life insurance | LINCOLN LIFE INSURANCE OF BOSTON | 746 | $305K |
| Short-term disability | LINCOLN LIFE INSURANCE OF BOSTON | 492 | $302K |
| Long-term disability | LINCOLN LIFE INSURANCE OF BOSTON | 612 | $132K |
| Prescription drug | HIGHMARK INC. | 0 | $955K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 737 | $1.4M |
| Other | ACE AMERICAN INSURANCE COMPANY | 275 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,702 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.