| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN C MOUGANIS3 | 410 SETTLERS VILLAGE CIRCLE CRANBERRY TWP, PA 16066 | BLUE CROSS OF WESTERN PA | $82K | — | $82K | 4.05% |
| JOHN C MOUGANIS3 | 410 SETTLERS VILLAGE CIRCLE CRANBERRY TWP, PA 16066 | BLUE CROSS OF WESTERN PA | $20K | — | $20K | 4.02% |
| BLACKHAWK CONSULTING3 | 235 MARSHALL ROAD OAKDALE, PA 15071 | AMERICAN UNITED LIFE INSURANCE COMPANY | $18K | — | $18K | — |
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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF WESTERN PA | 434 | $2.0M |
| Vision | BLUE CROSS OF WESTERN PA | 434 | $23K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 0 | $0 |
| Prescription drug | BLUE CROSS OF WESTERN PA | 434 | $492K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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."
No prospect flags tripped on this filing.