| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FT DUQUESNE BLVD PITTSBURGH, PA 15222 | HM LIFE INSURANCE COMPANY | $12K | — | $12K | 3.00% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FT DUQUESNE BLVD PITTSBURGH, PA 15222 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.49% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FT DUQUESNE BLVD PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $572 | $3K | 8.06% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FT DUQUESNE BLVD PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $344 | $2K | 9.79% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FT DUQUESNE BLVD PITTSBURGH, PA 15222 | EYE MED | $2K | $0 | $2K | 9.79% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FT DUQUESNE BLVD PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $309 | $2K | 13.07% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FT DUQUESNE BLVD PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $596 | $91 | $687 | 11.54% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FT DUQUESNE BLVD PITTSBURGH, PA 15222 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $9 | $9 | 2.08% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FT DUQUESNE BLVD PITTSBURGH, PA 15222 | EYE MED - COBRA | $5 | — | $5 | 7.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $232K |
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 | 399 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 490 | $85K |
| Vision(2 contracts, 2 carriers) | EYE MED | 381 | $19K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 399 | $23K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 399 | $19K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 321 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.