| 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 | 11.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 N/A | Plan Administrator Service code 14 | 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $212K |
| ALBANESE SINCHAR SMITH & CO. EIN 46-1686881 N/A | Accounting (including auditing) Service code 10 | 12875 ROUTE 30 SUITE 22 NORTH HUNTINGDON, PA 15642 | $27K |
| MEYER, UNKOVIC & SCOTT, LLP EIN 25-1008021 N/A | Other fees Service code 99 | 535 SMITHFIELD ST STE 1300 PITTSBURGH, PA 15222 | $19K |
| L. GERMEK HEATING & COOLING, INC. EIN 25-1495155 N/A | Other fees Service code 99 | 1353 HEDY LYNN DR NORTH HUNTINGDON, PA 15642 | $16K |
| MARC C CASSELLA, DMD EIN 25-1548004 N/A | Other fees Service code 99 | 3017 VERSAILLES AVENUE MCKEESPORT, PA 15132 | $16K |
| FRISSORA & ASSOCIATES EIN 81-1579449 N/A | Consulting fees Service code 70 | 103 BRADFORD RD, SUITE 105 WEXFORD, PA 15090 | $14K |
| DON LEONATTI, JR. N/A | Other fees Service code 99 | 2243 HIGH STREET GLASSPORT, PA 15045 | $11K |
| HUBBARD-BERT, INC. EIN 25-1185026 N/A | Consulting fees Service code 70 | 1250 TOWER LANE ERIE, PA 16505 | $10K |
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 | 1,459 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 173 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,185 | $194K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 588 | $86K |
| Long-term disability | STANDARD INSURANCE COMPANY | 103 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,185 | — |
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.