| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM E. WRENSHALL IV3 | 1106 OHIO RIVER BLVD. SUITE 606 SEWICKLEY, PA 15143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 5.55% |
| WRENSHALL, WILLIAM E.3 Filed as: WRENSHALL, WILLIAM, E, IV | 1106 OHIO RIVER BOULEVARD STE 606 SEWICKLEY, PA 15143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.96% |
| WILLIAM E. WRENSHALL IV3 Filed as: WILLIAM E. WRENSHALL | 1106 OHIO RIVER BOULEVARD STE 606 SEWICKLEY, PA 15143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $834 | — | $834 | 8.44% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON AND MCCRADY LLC | 310-330 GRANT ST., SUITE 1320 PITTSBURGH, PA 15219 | FEDERAL INSURANCE COMPANY | $235 | — | $235 | 15.02% |
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 | 421 | 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) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 539 | $2.9M |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 516 | $156K |
| Vision | HIGHMARK | 539 | $2.9M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 421 | $182K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 421 | $182K |
| Prescription drug | HIGHMARK | 539 | $2.9M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 421 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 539 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.