| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 12 FEDERAL STREET PITTSBURGH, PA 15212 | FEDERAL INSURANCE COMPANY | $1K | $0 | $1K | 15.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC. EIN 23-1294723 NONE | Other insurance fees and expenses; Insurance services Service code 23 | FIFTH AVENUE PLACE 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $1.4M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Insurance services; Contract Administrator; Claims processing Service code 12 | 21653 NETWORK PLACE CHICAGO, IL 60673 | $328K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 NONE | Other insurance fees and expenses; Claims processing; Contract Administrator Service code 12 | 1800 CENTER STREET CAMP HILL, PA 17011 | $204K |
| LINCOLN NATIONAL LIFE INSURANCE CO EIN 35-0472300 NONE | Contract Administrator; Claims processing; Insurance services Service code 12 | P.O. BOX 2658 CAROL STREAM, IL 60123 | $148K |
| TOTAL MANAGEMENT SOLUTIONS EIN 04-3148587 NONE | Claims processing; Insurance services; Contract Administrator Service code 12 | 61 EAST MAIN STREET NORTON, MA 02766 | $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 | 4,155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 187 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 6,057 | $538K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,783 | $1.4M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,775 | $817K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,783 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,057 | — |
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.