| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STALWART INSURANCE LLC3 Filed as: STALWART INSURANCE, LLC | 2550 BOYCE PLAZA ROAD STE 120 PITTSBURGH, PA 15241 | HIGHMARK, INC. | $7K | — | $7K | 10.03% |
| STALWART INSURANCE LLC3 | 2570 BOYCE PLAZA PLACE STE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $212 | $2K | 8.29% |
| STALWART INSURANCE LLC3 Filed as: STALWART INSURANCE, LLC | 2570 BOYCE PLAZA PLACE STE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $521 | $4K | 14.67% |
| STALWART INSURANCE LLC3 | 2570 BOYCE PLAZA PLACE STE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $963 | — | $963 | 20.04% |
| C H REAMS & ASSOCIATES INC3 Filed as: C.H. REAMS & ASSOCIATES, INC. | 401 CRANBERRY ST. STE 100 ERIE, PA 16507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$2 | — | -$2 | -0.04% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 245 | $1.5M |
| Dental | HIGHMARK, INC. | 264 | $75K |
| Vision | VISION BENEFITS OF AMERICA | 157 | $10K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $34K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $26K |
| Prescription drug | HIGHMARK, INC. | 245 | $629K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.