| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DRB EMPLOYEE BENEFIT SERVICES, INC.3 Filed as: DRB EMPLOYEE BENEFIT SERVICES, INC | 2400 OXFORD DRIVE, SUITE 414 BETHEL PARK, PA 15102 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | — | $27K | 5.93% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 2.14% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.60% |
| DRB EMPLOYEE BENEFIT SERVICES, INC.3 | 2400 OXFORD DR. SUITE 414 BETHEL PARK, PA 15102 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 6.01% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.28% |
| DARRYL R. BLECHER3 Filed as: DARRYL R BLECHER | 2400 OXFORD DRIVE, SUITE 414 BETHEL PARK, PA 15104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $666 | — | $666 | 9.99% |
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 | 681 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,522 | $519K |
| Vision | VISION BENEFITS OF AMERICA | 517 | $60K |
| Life insurance | STANDARD INSURANCE COMPANY | 689 | $256K |
| Short-term disability | STANDARD INSURANCE COMPANY | 82 | $21K |
| Long-term disability | STANDARD INSURANCE COMPANY | 525 | $93K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HIGHMARK CASUALTY INSURANCE COMPANY | 639 | $722K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 689 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,522 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.