| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON AND SMELZER INC | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15205 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $42K | $42K | 2.30% |
| ASSUREDPARTNERS3 | 1304 GRANDVIEW AVENUE, SUITE 400 PITTBURGH, PA 15211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $20K | $20K | 1.09% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.96% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.72% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $521 | $3K | 3.19% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON AND SMELZER | 1301 GRANDVIEW AVENUE, SUITE 400 PITTBURGH, PA 15211 | METROPOLITAN LIFE INSURANCE COMPANY | -$62 | -$9 | -$71 | -0.08% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSON AND SMELZER INC | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | VISION BENEFITS OF AMERICA | $849 | $0 | $849 | 5.46% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | VISION BENEFITS OF AMERICA | $88 | $0 | $88 | 0.57% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | HYATT LEGAL PLANS | $216 | $0 | $216 | 10.00% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 226 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 305 | $85K |
| Vision | VISION BENEFITS OF AMERICA | 145 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $121K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $121K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $121K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 226 | $1.8M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.