| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES CHAD BEDNEZ3 | 229 DUPONT DRIVE MCDONALD, PA 15057 | HIGHMARK, INC. | $4K | — | $4K | 9.55% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA RD PITTSBURGH, PA 15241 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 13.73% |
| STALWART INSURANCE LLC3 | 2570 BOYCE PLAZA PLACE STE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD | $585 | $85 | $670 | 17.60% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF PA LLC | 1301 GRANVIEW AVE SUITE 400 PITTSBURGH, PA 15211 | RELIANCE STANDARD | -$14 | — | -$14 | -0.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK WEST EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $34K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $23K |
| STALWART INSURANCE EIN 85-1290829 BROKER | Insurance agents and brokers Service code 22 | — | $21K |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK, INC. | 82 | $42K |
| Vision | HIGHMARK, INC. | 82 | $42K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 102 | $39K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 102 | $39K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 102 | $39K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 64 | $236K |
| Other | RELIANCE STANDARD | 25 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.