| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC. | 444 LIBERTY AVENUE 4 GATEWAY CENTER, SUITE 605 PITTSBURGH, PA 15222 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 12.50% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC. | 444 LIBERTY AVENUE 4 GATEWAY CENTER, SUITE 605 PITTSBURGH, PA 15222 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 12.50% |
| JAMES J BANASZAK3 | 550 BROOKTREE RD SUITE 102 WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $203 | — | $203 | 3.51% |
| SJP & ASSOCIATES3 | 318 WINCHESTER CT CRANBERRY TWNP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183 | — | $183 | 3.16% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN PITTSBURGH, PA 15237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | — | $86 | 1.49% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.74% |
| JAMES G BRANDT3 | 47 MARVIN ST PORT MATILDA, PA 16870 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.14% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.14% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC. | 444 LIBERTY AVENUE 4 GATEWAY CENTER, SUITE 605 PITTSBURGH, PA 15222 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $205 | — | $205 | 12.49% |
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 | 311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HIGHMARK | 476 | $28K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $16K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $18K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HIGHMARK CASUALTY INSURANCE COMPANY | 199 | $289K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 25 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 476 | — |
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.