| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | UNKNOWN DUNBAR, PA 15431 | HIGHMARK INC. | $16K | $0 | $16K | 2.99% |
| THURMAN PIERCE JR.3 Filed as: THURMAN PIERCE JR | 1105 PALOMINO COURT CHESAPEAKE, VA 23322 | HEALTHKEEPERS, INC. | $11K | $0 | $11K | 3.97% |
| HERMAN S. WHITE3 | 45 PENNSYLVANIA BOULEVARD MONESSEN, PA 15062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 6.08% |
| BRIAN D. FETSCO3 | 2801 MEMORIAL BOUELVARD, SUITE 1B CONNELLSVILLE, PA 15425 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $819 | $0 | $819 | 3.73% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 310 GRANT STREET, 2ND FLOOR PITTSBURGH, PA 15219 | VISION BENEFITS OF AMERICA | $306 | $0 | $306 | 5.01% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC. | 93 | $787K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 97 | $30K |
| Vision | VISION BENEFITS OF AMERICA | 61 | $6K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $22K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $22K |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK INC. | 93 | $787K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.