| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | HIGHMARK INC. | $181K | $0 | $181K | 1.47% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON AND SMELZER INC. | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | HIGHMARK INC. | $85K | $0 | $85K | 0.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE SUITE 500 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $124K | $2K | $126K | 5.17% |
| WARREN EMPLOYEE BENEFITS CO.3 | 14140 MIDWAY ROAD, SUITE 205 DALLAS, TX 75244 | BLUE CROSS BLUE SHIELD OF TEXAS | $64K | $7 | $64K | 3.16% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | UPMC HEALTH COVERAGE | $33K | $0 | $33K | 1.94% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $44K | $0 | $44K | 4.53% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $22K | $22K | 2.29% |
| TUCKER JOHNSTON & SMELZER INC3 | 1301 GRANDVIEW AVENUE,SUITE 400 PITTSBURGH, PA 15211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 0.71% |
| UNITED BENEFIT ADVISORS LLC3 | ONE PIERCE PLACE, SUITE 400E ITASCA, IL 60143 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $725 | $725 | 0.07% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $4K | $25K | 3.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 740659 LOS ANGELES, CA 90074 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $21K | $0 | $21K | 5.18% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER, JOHNSTON AND SMELZER INC. | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15205 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $0 | $10K | 2.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1 POLARIS WAY, SUITE 300 ALISO VIEJO, CA 92656 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 0.40% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 10.61% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON AND SMELZER | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 5.28% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $180 | $4K | 2.03% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER, JOHNSTON AND SMELZER | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | ATLANTIC SPECIALTY | $13K | $0 | $13K | 15.00% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER, JOHNSON AND SMELZER, INC. | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.47% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER, JOHNSON AND SMELZER INC | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | VISION SERVICE PLAN | $84 | $0 | $84 | 0.28% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER, JOHNSTON AND SMELZER INC. | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15205 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER, JOHNSON AND SMELZER INC | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $513 | $0 | $513 | 9.99% |
| ASSUREDPARTNERS3 | 1031 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15311 | FEDERAL INSURANCE COMPANY | $608 | $0 | $608 | 15.01% |
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 | 1,175 | 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) | 1,175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | HIGHMARK INC. | 2,686 | $18.5M |
| Dental(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 978 | $3.1M |
| Vision(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 978 | $1.1M |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,912 | $1.2M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,912 | $981K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,912 | $986K |
| Prescription drug(3 contracts, 3 carriers) | HIGHMARK INC. | 2,686 | $16.8M |
| Other(3 contracts, 3 carriers) | ATLANTIC SPECIALTY | 1,780 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,686 | — |
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."
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.