| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL M. JOANOU3 | 1144 MARKET ST. #515 WHEELING, WV 26003 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 15.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $500K |
| SERVICE PERSONNEL & EMPLOYEES DAIRY EIN 25-0664925 RELATED ORG | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $200K |
| FRISSORA & ASSOCIATES EIN 81-1579449 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $24K |
| MEYER UNKOVIC & SCOTT LLP EIN 25-1008021 NONE | Legal; Direct payment from the plan Service code 29 | — | $22K |
| ALBANESE SINCHAR SMITH & CO EIN 46-1686881 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
| MARC C CASSELLA DMD EIN 25-1548004 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $17K |
| C&N CLEANING SERVICES EIN 25-1801765 NONE | Direct payment from the plan; Other services Service code 49 | — | $12K |
| DON LEONATTI JR NONE | Other fees; Direct payment from the plan Service code 50 | 2243 HIGH STREET GLASSPORT, PA 15045 | $12K |
| PRIME THERAPEUTICS EIN 26-0076803 NONE | Other fees; Other services Service code 49 | — | $7K |
| DATAMATRIX SYSTEMS INC EIN 25-1584842 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $6K |
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 | 1,339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 198 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,191 | $345K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 682 | $119K |
| Long-term disability | STANDARD INSURANCE COMPANY | 79 | $25K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 0 | $470K |
| Other | BOSTON MUTUAL LIFE INSURANCE COMPANY | 682 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,191 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.