| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.32% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA RD STE 120 PITTSBURGH, PA 15241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $732 | $6K | 8.24% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.29% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA RD STE 120 PITTSBURGH, PA 15241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $679 | $4K | 6.03% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.86% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA RD STE 120 PITTSBURGH, PA 15241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $214 | $2K | 9.81% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $984 | — | $984 | 5.23% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $949 | $191 | $1K | 7.01% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $678 | — | $678 | 4.17% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 343 | $2.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 343 | $2.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 343 | $2.2M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $89K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $63K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $19K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.