| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES B. WALL3 Filed as: JAMES B WALL | SIX PPG PLACE, SUITE 600 PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 N/A | Plan Administrator Service code 14 | 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $170K |
| HUBBARD-BERT, INC EIN 25-1185026 N/A | Consulting fees Service code 70 | 1250 TOWER LANE ERIE, PA 16505 | $24K |
| DR. MARK CASSELL EIN 25-1548004 N/A | Other fees Service code 99 | 3017 VERSAILLES AVE MCKEESPORT, PA 15132 | $17K |
| ERISA STREET LLC EIN 13-4235572 N/A | Legal Service code 29 | 8125 OXFORD NORTH HUNTINGDON, PA 15642 | $7K |
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 | 1,503 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 167 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,670 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,217 | $199K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 572 | $85K |
| Long-term disability | STANDARD INSURANCE COMPANY | 116 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,217 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.