| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | HIGHMARK, INC. | $6K | — | $6K | 7.44% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | HIGHMARK, INC. | $3K | — | $3K | 3.27% |
| STALWART INSURANCE LLC3 | 2570 BOYCE PLAZA PLACE STE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $876 | $2K | 7.92% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOC INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.47% |
| STALWART INSURANCE LLC3 Filed as: STALWART INSURANCE, LLC | 2570 BOYCE PLAZA PLACE STE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 12.37% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOC INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $218 | $2K | 6.27% |
| STALWART INSURANCE LLC3 | 2570 BOYCE PLAZA PLACE STE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$13 | $144 | $131 | — |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 162 | $1.4M |
| Dental | HIGHMARK, INC. | 167 | $77K |
| Vision | VISION BENEFITS OF AMERICA | 167 | $10K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 188 | $30K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 178 | $30K |
| Prescription drug | HIGHMARK, INC. | 162 | $705K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 188 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.