| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 152221310 | UNITED CONCORDIA INSURANCE COMPANY | $9K | — | $9K | 5.06% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 152221310 | HIGHMARK | $5K | — | $5K | 12.82% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 152221310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 11.36% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | P.O. BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $187 | — | $187 | 1.89% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 3.70% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 1.77% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 152221310 | UNITED CONCORDIA INSURANCE COMPANY | $209 | — | $209 | 8.30% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 152221310 | FIRST UNUM LIFE INSURANCE COMPANY | $11 | — | $11 | 3.53% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $5 | — | $5 | 1.60% |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | UNITED CONCORDIA INSURANCE COMPANY | 287 | $172K |
| Vision | HIGHMARK | 239 | $39K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 279 | $214K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 279 | $149K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 279 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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."
No prospect flags tripped on this filing.