| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 600 WATERFRONT DRIVE SUITE 225 PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| LIFETIME FINANCIAL GROWTH3 | 1910 COCHRAN ROAD MANOR OAK TWO, SUITE 800 PITTSBURGH, PA 15220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $68 | — | $68 | 0.10% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 600 WATERFRONT DRIVE SUITE 225 PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 12.99% |
| BENEFIT 1 INC3 Filed as: BENEFIT I INC. | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $314 | $314 | 0.93% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 600 WATERFRONT DRIVE SUITE 225 PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $930 | $5K | 18.57% |
| BENEFIT 1 INC3 Filed as: BENEFIT I INC. | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $266 | $266 | 1.02% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 600 WATERFRONT DRIVE SUITE 225 PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $400 | $2K | 13.19% |
| BENEFIT 1 INC3 Filed as: BENEFIT I INC | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $114 | $114 | 0.91% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 600 WATERFRONT DRIVE, SUITE 225 PITTSBURGH, PA 15222 | HIGHMARK | $324 | — | $324 | 3.20% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $68K |
| Vision | HIGHMARK | 224 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $39K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $34K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 130 | $271K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $39K |
| 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.