| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | HIGHMARK INC. | $39K | — | $39K | 1.90% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | HIGHMARK INC. | $20K | — | $20K | 0.96% |
| LEAVITT GROUP3 Filed as: LEAVITT NORTHEAST INSURANCE, INC. | PO BOX 593 HOLLIDAYSBURG, PA 16648 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.33% |
| SWIFT KENNEDY FINANCIAL CO INC3 | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.17% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.44% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES | PO BOX 593 HOLLIDAYSBURG, PA 16648 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.96% |
| STALWART INSURANCE LLC3 | 2570 BOYCE PLAZA PLACE SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $744 | $2K | 9.15% |
| LEAVITT GROUP3 Filed as: LEAVITT NORTHEAST INSURANCE, INC. | PO BOX 593 HOLLIDAYSBURG, PA 16648 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.40% |
| STALWART INSURANCE LLC3 | 2570 BOYCE PLAZA PLACE SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $487 | $2K | 7.69% |
| LEAVITT GROUP3 Filed as: LEAVITT NORTHEAST INSURANCE, INC. | PO BOX 593 HOLLIDAYSBURG, PA 16648 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.41% |
| STALWART INSURANCE LLC3 | 2570 BOYCE PLAZA PLACE SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $833 | $557 | $1K | 7.42% |
| LEAVITT GROUP3 Filed as: LEAVITT NORTHEAST INSURANCE, INC. | PO BOX 593 HOLLIDAYSBURG, PA 16648 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.38% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 140 | $2.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 106 | $54K |
| Vision | HIGHMARK INC. | 140 | $2.0M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 164 | $40K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $63K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 169 | $26K |
| Prescription drug | HIGHMARK INC. | 140 | $2.0M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 164 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.