| 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 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 5.95% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FT DUQUESNE BLVD PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.21% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FT DUQUESNE BLVD PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.58% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FT DUQUESNE BLVD PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.29% |
| HENDERSON BROTHERS, INC. Filed as: HENDERSON BROTHERS INC | 920 FT DUQUESNE BLVD PITTSBURGH, PA 15222 | EYE MED | $2K | — | $2K | 10.76% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FT DUQUESNE BLVD PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.07% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FT DUQUESNE BLVD PITTSBURGH, PA 15222 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | — | $0 | 0.00% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FT DUQUESNE BLVD PITTSBURGH, PA 15222 | EYE MED - COBRA | $21 | — | $21 | 10.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $247K |
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 | 431 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 518 | $99K |
| Vision(2 contracts, 2 carriers) | EYE MED | 396 | $22K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 431 | $46K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 223 | $75K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 431 | $42K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 349 | $543K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.