| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | HIGHMARK INC. | $409K | $0 | $409K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | BLUE CROSS OF CALIFORNIA | $168K | $2K | $170K | 5.01% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | UPMC HEALTH COVERAGE | $36K | $0 | $36K | 2.03% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $89K | $0 | $89K | 6.70% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 4200 ROCKSIDE ROAD, SUITE 300 CLEVELAND, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $65K | $65K | 4.90% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $44K | $44K | 3.34% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 4200 ROCKSIDE ROAD, SUITE 300 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37K | $11K | $48K | 5.16% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 3.06% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $26K | $0 | $26K | 5.15% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $0 | $33K | 14.86% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $914 | $10K | 4.56% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $359 | $323 | $682 | 0.31% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | FEDERAL INSURANCE COMPANY | $26K | $0 | $26K | 20.00% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.04% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
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 | 3,370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HIGHMARK INC. | 3,503 | $25.7M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,251 | $1.4M |
| Vision(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,251 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,169 | $1.5M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,169 | $1.3M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,169 | $1.3M |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK INC. | 3,503 | $23.9M |
| Other(2 contracts) | FEDERAL INSURANCE COMPANY | 3,370 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,503 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.