| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUR M CONSULTING INC.3 | 12925 PERRY HWY WEXFORD, PA 15090 | HIGHMARK, INC. | $50K | — | $50K | 2.89% |
| FOUR M CONSULTING INC.3 | 12925 PERRY HWY WEXFORD, PA 15090 | HIGHMARK, INC. | $17K | — | $17K | 2.82% |
| FOUR M CONSULTING INC.3 | 12925 PERRY HWY WEXFORD, PA 15090 | UNITED CONCORDIA INSURANCE COMPANY | $9K | — | $9K | 9.20% |
| FOUR M CONSULTING INC.3 | 12925 PERRY HWY WEXFORD, PA 15090 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.28% |
| FOUR M CONSULTING INC.3 | 12925 PERRY HWY WEXFORD, PA 15090 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.28% |
| FOUR M CONSULTING INC.3 | 12925 PERRY HWY WEXFORD, PA 15090 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 8.54% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 335 | $1.7M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 346 | $94K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 404 | $13K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 231 | $51K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 231 | $55K |
| Prescription drug | HIGHMARK, INC. | 335 | $620K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 231 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.