| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY FINANCIAL SERVICES3 Filed as: LIBERTY FINANCIAL SERVICES, INC | 1910 COCHRAN ROAD SUITE 800 MANOR OAK TWO PITTSBURGH, PA 152201224 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.25% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS | 1485 PRINCE CHARLES AVENUE WESTLAKE, OH 44145 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.97% |
| STEALTH PARTNER GROUP LLC3 | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $3K | $2K | $5K | 16.44% |
| JOHN A CAMPBELL INSURANCE AGENCY IN3 | 331 SOUTH MAIN STREET SUITE 102 WASHINGTON, PA 15301 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.63% |
| LIBERTY INSURANCE SERVICES3 Filed as: LIBERTY INSURANCE SERVICES INC | MANOR OAK TWO, SUITE 800 1910 COCHRAN ROAD PITTSBURGH, PA 15220 | HIGHMARK | $420 | — | $420 | 3.01% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 354 | $67K |
| Vision | HIGHMARK | 267 | $14K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 272 | $15K |
| Other(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 294 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.