| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | HIGHMARK INC. | $55K | $0 | $55K | 2.97% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | HARTFORD LIFE AND ACCIDENT | $9K | $0 | $9K | 8.94% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 5.00% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | HYATT LEGAL PLANS | $468 | $0 | $468 | 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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 293 | $1.9M |
| Dental | HIGHMARK INC. | 293 | $1.9M |
| Vision | HIGHMARK INC. | 293 | $1.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 132 | $99K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 132 | $99K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 132 | $99K |
| Prescription drug | HIGHMARK INC. | 293 | $1.9M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 132 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.