| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY FINANCIAL SERVICES3 | 1910 COCHRAN ROAD MANOR OAK TWO, SUITE 800 PITTSBURGH, PA 15220 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.70% |
| LIBERTY FINANCIAL SERVICES3 | 1910 COCHRAN ROAD PITTSBURGH, PA 15220 | STANDARD INSURANCE COMPANY | $4K | $506 | $4K | 5.03% |
| LIBERTY FINANCIAL SERVICES3 | 1910 COCHRAN ROAD MANOR OAK TWO, SUITE 800 PITTSBURGH, PA 15220 | STANDARD INSURANCE COMPANY | $4K | $248 | $4K | 10.33% |
| LIBERTY FINANCIAL SERVICES3 | 1910 COCHRAN ROAD PITTSBURGH, PA 15220 | HIGHMARK | $2K | — | $2K | 3.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 TPA | Named fiduciary; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | 300 CORPORATE GROVE ROAD AMHERST, NY 14226 | $222K |
| UNITED CONCORDIA EIN 25-1687586 TPA | Direct payment from the plan; Participant communication; Other services; Contract Administrator; Claims processing Service code 12 | PO BOX 69421 HARRISBURG, PA 171069421 | $30K |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HIGHMARK | 497 | $40K |
| Life insurance | STANDARD INSURANCE COMPANY | 293 | $82K |
| Short-term disability | STANDARD INSURANCE COMPANY | 252 | $95K |
| Long-term disability | STANDARD INSURANCE COMPANY | 72 | $42K |
| Other | STANDARD INSURANCE COMPANY | 293 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 497 | — |
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.