| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL M. JOANOU3 | 1144 MARKET ST. #515 WHEELING, WV 26003 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $409K |
| SERVICE PERSONNEL & EMPLOYEES DAIRY EIN 25-0664925 RELATED ORG | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $208K |
| SYMETRA LIFE INSURANCE COMPANY EIN 91-0742147 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $65K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $26K |
| FRISSORA & ASSOCIATES EIN 81-1579449 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $24K |
| MEYER UNKOVIC & SCOTT LLP EIN 25-1008021 NONE | Legal; Direct payment from the plan Service code 29 | — | $19K |
| MARC C CASSELLA DMD EIN 25-1548004 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $17K |
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 | 1,089 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 140 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 483 | $95K |
| Long-term disability | STANDARD INSURANCE COMPANY | 68 | $29K |
| Other | BOSTON MUTUAL LIFE INSURANCE COMPANY | 483 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.