| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THURMAN PIERCE JR.3 Filed as: THURMAN B. PIERCE | 1105 PALOMINO COURT CHESAPEAKE, VA 23322 | HEALTHKEEPERS, INC. | $6K | $0 | $6K | 2.87% |
| HERMAN S. WHITE3 | 45 PENNSYLVANIA BOULEVARD MONESSEN, PA 15062 | UNUM LIFE INSURANCE COMPANY | $876 | $0 | $876 | 5.94% |
| BRIAN D. FETSCO3 | 2801 MEMORIAL BOULEVARD, SUITE 1B CONNELLSVILLE, PA 15425 | UNUM LIFE INSURANCE COMPANY | $599 | $0 | $599 | 4.06% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 310 GRANT STREET, 2ND FLOOR PITTSBURGH, PA 15219 | VISION BENEFITS OF AMERICA | $223 | $0 | $223 | 5.00% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | HEALTHKEEPERS, INC. | 144 | $215K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 144 | $27K |
| Vision | VISION BENEFITS OF AMERICA | 49 | $4K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY | 144 | $15K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 144 | $15K |
| Prescription drug(5 contracts, 4 carriers) | HEALTHKEEPERS, INC. | 144 | $215K |
| Other | UNUM LIFE INSURANCE COMPANY | 144 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
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.