| 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 | $748 | $5K | 4.27% |
| LIBERTY FINANCIAL SERVICES3 | 1910 COCHRAN ROAD PITTSBURGH, PA 15220 | STANDARD INSURANCE COMPANY | $3K | $606 | $4K | 4.79% |
| LIBERTY FINANCIAL SERVICES3 | 1910 COCHRAN ROAD MANOR OAK TWO, SUITE 800 PITTSBURGH, PA 15220 | STANDARD INSURANCE COMPANY | $4K | $293 | $4K | 9.52% |
| LIBERTY FINANCIAL SERVICES3 | 1910 COCHRAN ROAD PITTSBURGH, PA 15220 | HIGHMARK | $2K | — | $2K | 3.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 TPA | Participant communication; Claims processing; Other services; Float revenue; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | 300 CORPORATE GROVE ROAD AMHERST, NY 14226 | $263K |
| UNITED CONCORDIA EIN 25-1687586 TPA | Contract Administrator; Participant communication; Claims processing; Direct payment from the plan; Other services Service code 12 | PO BOX 69421 HARRISBURG, PA 171069421 | $31K |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HIGHMARK | 553 | $44K |
| Life insurance | STANDARD INSURANCE COMPANY | 333 | $84K |
| Short-term disability | STANDARD INSURANCE COMPANY | 292 | $112K |
| Long-term disability | STANDARD INSURANCE COMPANY | 90 | $44K |
| Other | STANDARD INSURANCE COMPANY | 333 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.