| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPRESSLINK GENERAL AGENCY LLC | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 6.20% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS OF PENNSYLVANIA, LL | 1301 GRANDVIEW AVENUE STE 400 PITTSBURGH, PA 15211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.78% |
| TUCKER JOHNSTON & SMELZER INC | 1301 GRANDVIEW AVENUE STE 400 PITTSBURGH, PA 152111205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $567 | — | $567 | 0.48% |
| EXPRESSLINK GENERAL AGENCY LLC | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 6.73% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS OF PENNSYLVANIA, LL | 1301 GRANDVIEW AVENUE STE 400 PITTSBURGH, PA 15211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.25% |
| TUCKER JOHNSTON & SMELZER INC | 1301 GRANDVIEW AVENUE STE 400 PITTSBURGH, PA 152111205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.97% |
| EXPRESSLINK GENERAL AGENCY LLC | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 22.24% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS OF PENNSYLVANIA, LL | 1301 GRANDVIEW AVENUE STE 400 PITTSBURGH, PA 15211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $592 | $3K | 7.85% |
| EXPRESSLINK GENERAL AGENCY LLC | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 6.86% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS OF PENNSYLVANIA, LL | 1301 GRANDVIEW AVENUE STE 400 PITTSBURGH, PA 15211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.35% |
| TUCKER JOHNSTON & SMELZER INC | 1301 GRANDVIEW AVENUE STE 400 PITTSBURGH, PA 152111205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF PENNSYLVANIA, LL | 1301 GRANDVIEW AVENUE STE 400 PITTSBURGH, PA 15211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.31% |
| EXPRESSLINK GENERAL AGENCY LLC | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 6.57% |
| TUCKER JOHNSTON & SMELZER INC3 | 1301 GRANDVIEW AVENUE STE 400 PITTSBURGH, PA 152111205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $745 | — | $745 | 2.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSUREDPARTNERS OF PA LLC BROKER | Insurance agents and brokers Service code 22 | 1301 GRANDVIEW AVE SUITE 400 PITTSBURGH, PA 15211 | $95K |
| TUCKER JOHNSTON & SMELZER INC BROKER | Insurance agents and brokers Service code 22 | 1301 GRANDVIEW AVE SUITE 400 PITTSBURGH, PA 152111205 | $0 |
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 | 510 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 510 | $3.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 351 | $42K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 351 | $42K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 395 | $63K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 392 | $50K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 395 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.