| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HM INSURANCE GRP RD COMMISSIONS DEP3 | 120 FIFTH AVENUE PLACE PITTSBURGH, PA 15222 | HM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC | 448 MURRY HILL CIR LANCASTER, PA 17601 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 12.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK BLUE CROSS & BLUE SHIELD EIN 25-0558173 NONE | Claims processing; Direct payment from the plan Service code 12 | 120 FIFTH AVENUE - FIFTH AVE PLACE PITTSBURGH, PA 15222 | $1.1M |
| BENEFIT PLANNERS ASSOCIATES EIN 25-1260770 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 1910 COCHRAN ROAD SUITE 605 PITTSBURGH, PA 15220 | $187K |
| STUYVESANT CAPITAL MANAGEMENT EIN 13-2953844 NONE | Custodial (securities) Service code 19 | 200 BUSINESS PARK DRIVE SUITE 300 ARMONK, NY 10504 | $57K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Actuarial; Direct payment from the plan Service code 11 | PO BOX 4058 CHURCH STREET STATION NEW YORK, NY 10261 | $34K |
| ECKERT SEAMANS CHERIN & MERLOTT LLC EIN 43-1420563 NONE | Legal; Direct payment from the plan Service code 29 | 600 GRANT STREET 44TH FLOOR PITTSBURGH, PA 15219 | $31K |
| ALAN ROSS & COMPANY PC EIN 20-5367494 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 10 HEARTHSTONE COURT READING, PA 19606 | $19K |
| CVS CAREMARK EIN 05-0340626 NONE | Claims processing; Direct payment from the plan Service code 12 | 9501 E. SHEA BLVD SCOTTSDALE, AZ 85260 | $17K |
| WILMINGTON TRUST EIN 16-1626570 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | 285 DELAWARE AVENUE 3RD FLOOR BUFFALO, NY 14202 | $17K |
| SEGAL SELECT INSURANCE SERVICES | Insurance agents and brokers Service code 22 | — | $3K |
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 | 2,039 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,048 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 278 | $26K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,581 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,581 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.