| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY FINANCIAL SERVICES3 | 1910 COCHRAN ROAD PITTSBURGH, PA 15220 | SUNLIFE ASSURANCE COMPANY OF CANADA | $23K | — | $23K | 6.58% |
| LIBERTY FINANCIAL SERVICES3 | 1910 COCHRAN ROAD PITTSBURGH, PA 15220 | HIGHMARK | $2K | — | $2K | 4.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 TPA | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Non-monetary compensation; Claims processing; Float revenue; Contract Administrator Service code 12 | 300 CORPORATE GROVE ROAD AMHERST, NY 14226 | $312K |
| SUNLIFE ASSURANCE COMPANY OF CANADA EIN 38-1082080 TPA | Contract Administrator; Participant communication; Claims processing; Direct payment from the plan; Other services Service code 12 | PO BOX 419596 KANSAS CITY, MO 64141 | $16K |
| FLORES & ASSOCIATES EIN 56-1542307 TPA | Claims processing; Contract Administrator Service code 12 | 403 WEST PENNSYLVANIA AVENUE TOWSON, MD 21204 | $12K |
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 | 328 | 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) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HIGHMARK | 532 | $44K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 492 | $356K |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 492 | $356K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 492 | $356K |
| Other | SUNLIFE ASSURANCE COMPANY OF CANADA | 492 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.