| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON MCCRADY BENEFITS | 330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | HIGHMARK CASUALTY INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| EDWARD T WUENSCHELL3 | 4315 ERICSON ROAD #204 ELLICOTT CITY, MD 21043 | HIGHMARK CASUALTY INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| EDWARD T WUENSCHELL3 | 4315 ERICSON ROAD #204 ELLICOTT CITY, MD 21043 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.48% |
| EDWARD T WUENSCHELL3 | 4315 ERICSON ROAD #204 ELLICOTT CITY, MD 21043 | VISION BENEFITS OF AMERICA | $979 | — | $979 | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 SERVICE PROVIDER | Contract Administrator Service code 13 | 120 FIFTH AVENUE, SUITE P2207 PITTSBURGH, PA 15222 | $78K |
| UPMC BENEFIT MANAGEMENT EIN 25-1769564 | Contract Administrator Service code 13 | 600 GRANT STREET PITTSBURGH, PA 15219 | $12K |
| UNITED CONCORDIA EIN 25-1687586 | Contract Administrator Service code 13 | 4401 DEER PATH RD HARRISBURG, PA 17110 | $10K |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 112 | $16K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $30K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $30K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $30K |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE COMPANY | 109 | $173K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.