| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | UNITED CONCORDIA LIFE & HEALTH INS. COMPANY | $9K | — | $9K | 5.04% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 152221310 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.06% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | HIGHMARK | $3K | — | $3K | 9.99% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 15.22% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $778 | $0 | $778 | 5.15% |
| PETERSON FINANCIAL INC3 Filed as: PETERSON FINANCIAL, INC. | 605 BRADY AVENUE STEUBENVILLE, OH 43952 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $679 | $0 | $679 | 4.50% |
| JAMES DANIEL MARTINETTE3 | 2001 DECATUR AVENUE WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $466 | $65 | $531 | 3.52% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $419 | $36 | $455 | 3.01% |
| CBF BENEFITS INC3 Filed as: CBF BENEFITS INC. | 808 CEDAR AVENUE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $443 | $11 | $454 | 3.01% |
| CHAD B FISHER3 Filed as: CHAD FISHER | 206 WEST NORTH AVENUE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $2 | $58 | 0.38% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | UNITED CONCORDIA LIFE & HEALTH INS. COMPANY | $221 | — | $221 | 7.82% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | UNITED CONCORDIA LIFE & HEALTH INS. COMPANY | 276 | $181K |
| Vision | HIGHMARK | 238 | $30K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $150K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 22 | $15K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $112K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.