| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA RD STE 120 PITTSBURGH, PA 15241 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 12.47% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD STE 120 PITTSBURGH, PA 15241 | HIGHMARK INC. | $8K | — | $8K | 7.39% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA RD STE 120 PITTSBURGH, PA 15241 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 5.00% |
| STALWART INSURANCE LLC3 Filed as: STALWART GROUP BENEFITS LLC | 2550 BOYCE PLAZA RD STE 120 PITTSBURGH, PA 15241 | VISION BENEFITS OF AMERICA | $175 | — | $175 | 9.02% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK INC. | 477 | $115K |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 193 | $29K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 262 | $149K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 262 | $149K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 212 | $250K |
| Other | HARTFORD LIFE AND ACCIDENT | 262 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.