| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | HIGHMARK INC. | $54K | — | $54K | 3.29% |
| CONSORTIO, LLC3 | 212 MAIN STREET PO BOX 507 RIDGEWAY, PA 15853 | HIGHMARK INC. | $2 | — | $2 | 0.00% |
| SWIFT KENNEDY FINANCIAL CO INC3 | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.85% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.44% |
| STALWART INSURANCE LLC3 | 2570 BOYCE PLAZA PLACE SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 13.13% |
| SWIFT KENNEDY FINANCIAL CO INC3 | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| STALWART INSURANCE LLC3 | 2570 BOYCE PLAZA PLACE SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.81% |
| STALWART INSURANCE LLC3 | 2570 BOYCE PLAZA PLACE SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.07% |
| SWIFT KENNEDY FINANCIAL CO INC3 | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 137 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 104 | $53K |
| Vision | HIGHMARK INC. | 137 | $1.6M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 168 | $38K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 169 | $63K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 169 | $25K |
| Prescription drug | HIGHMARK INC. | 137 | $1.6M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 168 | $38K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.