| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIAD USA3 | THREE GATEWAY CENTER SUITE 1600 PITTSBURGH, PA 15222 | HIGHMARK BLUE CROSS / BLUE SHIELD | — | — | $0 | 0.00% |
| JANET HELMS3 | 2628 WOODMONT LN WEXFORD, PA 15090 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| JANET HELMS3 | 2628 WOODMONT LN WEXFORD, PA 15090 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| JANET HELMS3 | 2628 WOODMONT LANE WEXFORD, PA 15090 | UNUM LIFE INSURANCE CO OF AMERICA | — | — | $0 | 0.00% |
| JANET HELMS3 | 2628 WOODMONT LN WEXFORD, PA 15090 | SUN LIFE FINANCIAL | $2K | — | $2K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 444 LIBERTY AVE #805 PITTSBURGH, PA 15222 | LINCOLN NATIONAL LIFE INS CO | — | — | $0 | 0.00% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS / BLUE SHIELD | 131 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 88 | $46K |
| Vision | VISION BENEFITS OF AMERICA | 123 | $13K |
| Life insurance(6 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $90K |
| Short-term disability | FT DEARBORN LIFE INSURANCE CO. | 89 | $30K |
| Long-term disability(5 contracts, 4 carriers) | PROVIDENT LIFE AND ACCIDENT UNUM | 161 | $33K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE CO OF AMERICA | 131 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.