| 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. | $4K | — | $4K | 5.06% |
| AARON DANIEL GANDER3 | 212 WASHINGTON AVE. BRIDGEVILLE, PA 15017 | HIGHMARK, INC. | $3K | — | $3K | 4.06% |
| C H REAMS & ASSOCIATES INC3 Filed as: C.H. REAMS & ASSOCIATES, INC. | 401 CRANBERRY STREET STE 100 ERIE, PA 16507 | RELIANCE STANDARD INSURANCE COMPANY | $4K | $584 | $4K | 13.27% |
| STALWART INSURANCE LLC3 Filed as: STALWART INSURANCE, LLC | 2570 BOYCE PLAZA PLACE STE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD INSURANCE COMPANY | $597 | $80 | $677 | 2.04% |
| C H REAMS & ASSOCIATES INC3 Filed as: C.H. REAMS & ASSOCIATES, INC | 401 CRANBERRY STREET SUITE 100 ERIE, PA 16507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.57% |
| STALWART INSURANCE LLC3 | 2570 BOYCE PLAZA PLACE STE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $583 | — | $583 | 1.88% |
| C H REAMS & ASSOCIATES INC3 Filed as: C.H. REAMS & ASSOCIATES, INC. | 401 CRANBERRY ST. STE 100 ERIE, PA 16507 | RELIANCE STANDARD INSURANCE COMPANY | $1K | — | $1K | 16.87% |
| STALWART INSURANCE LLC3 | 2570 BOYCE PLAZA PLACE STE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD INSURANCE COMPANY | $195 | — | $195 | 3.12% |
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 | 163 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 255 | $1.5M |
| Dental | HIGHMARK, INC. | 285 | $76K |
| Vision | VISION BENEFITS OF AMERICA | 158 | $10K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $37K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 141 | $33K |
| Prescription drug | HIGHMARK, INC. | 255 | $544K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.