| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER, INC. | 1301 GRANDVIEW AVENUE, STE 400 PITTSBURGH, PA 152111205 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $60K | $60K | 3.10% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER, INC. | 1301 GRANDVIEW AVENUE, STE 400 PITTSBURGH, PA 152111205 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $75 | $3K | 3.59% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD, STE 103 CLEVELAND, OH 441312530 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $603 | $3K | 2.91% |
| FIRST NATIONAL INSURANCE AGENCY3 | 764 BESSEMER STREET, STE 101 MEADVILLE, PA 163351862 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $15 | $15 | 0.02% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER, INC. | 1301 GRANDVIEW AVENUE, STE 400 PITTSBURGH, PA 152111205 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 6.38% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER, INC. | 1301 GRANDVIEW AVENUE, STE 400 PITTSBURGH, PA 152111205 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.13% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER, INC. | 1301 GRANDVIEW AVENUE, STE 400 PITTSBURGH, PA 152111205 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER, INC. | 1301 GRANDVIEW AVENUE, STE 400 PITTSBURGH, PA 152111205 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.12% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER, INC. | 1301 GRANDVIEW AVENUE, STE 400 PITTSBURGH, PA 152111205 | VISION BENEFITS OF AMERICA | $815 | — | $815 | 5.77% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER, INC. | 1301 GRANDVIEW AVENUE, STE 400 PITTSBURGH, PA 152111205 | HYATT LEGAL PLANS | $288 | — | $288 | 10.34% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 261 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $89K |
| Vision | VISION BENEFITS OF AMERICA | 178 | $14K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 178 | $16K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 178 | $58K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 178 | $38K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 178 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.