| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | UNITED CONCORDIA LIFE & HEALTH INS. COMPANY | $11K | — | $11K | 5.79% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | HIGHMARK | $3K | — | $3K | 10.00% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 152221310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 43.63% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 20.41% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 152221310 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 47.96% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $937 | $0 | $937 | 30.86% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | UNITED CONCORDIA LIFE & HEALTH INS. COMPANY | $243 | — | $243 | 9.34% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 152221310 | FIRST UNUM LIFE INSURANCE COMPANY | $324 | $0 | $324 | 63.04% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $139 | $0 | $139 | 27.04% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | UNITED CONCORDIA LIFE & HEALTH INS. COMPANY | 299 | $197K |
| Vision | HIGHMARK | 261 | $34K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 318 | $186K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 318 | $135K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 318 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.