| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NATIONAL INSURANCE AGENCY | 12 FEDERAL STREET PITTSBURGH, PA 15212 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 17.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Other insurance fees and expenses; Insurance services Service code 23 | FIFTH AVENUE PLACE 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $1.5M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing; Contract Administrator; Insurance services Service code 12 | 21653 NETWORK PLACE CHICAGO, IL 60673 | $216K |
| LINCOLN LIFE ASSURANCE CO OF BOSTON EIN 04-6076039 NONE | Claims processing; Insurance services; Contract Administrator Service code 12 | P.O. BOX 2658 CAROL STREAM, IL 60123 | $135K |
| TOTAL MANAGEMENT SOLUTIONS EIN 04-3148587 NONE | Insurance services; Contract Administrator; Claims processing Service code 12 | 61 EAST MAIN STREET NORTON, MA 02766 | $13K |
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 | 4,198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 203 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | 6,847 | $1.8M |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 6,365 | $425K |
| Life insurance | LINCOLN FINANCIAL ASSURANCE COMPANY OF BOSTON | 3,668 | $989K |
| Long-term disability | LINCOLN FINANCIAL ASSURANCE COMPANY OF BOSTON | 3,652 | $570K |
| Other(2 contracts, 2 carriers) | LINCOLN FINANCIAL ASSURANCE COMPANY OF BOSTON | 3,668 | $997K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,847 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.