| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 100 PINEWOOD LANE SUITE 301 WARRENDALE, PA 15086 | HIGHMARK, INC. | $50K | — | $50K | 3.00% |
| ALBERT MARKIJOHN3 | 108 CHAMBERLAIN CT WINCHESTER, VA 22603 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.62% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.37% |
| MARKIJOHN, ALBERT M.3 | 4054 ROUTE 130 IRWIN, PA 15642 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 19.86% |
| DUNCAN INSURANCE GROUP3 | 311 MAIN ST IRWIN, PA 156423437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.32% |
| MARKIJOHN, ALBERT M.3 | 108 CHAMBERLAIN CT WINCHESTER, VA 22603 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.25% |
| DUNCAN INSURANCE GROUP3 | 311 MAIN ST IRWIN, PA 15642 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $675 | — | $675 | 3.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $947 | — | $947 | 4.89% |
| DUNCAN INSURANCE GROUP3 Filed as: DUNCAN INSURANCE GROUP INC | 311 MAIN ST IRWIN, PA 15642 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 9.57% |
| MARKIJOHN, ALBERT M.3 Filed as: MARKIJOHN, ALBERT | 4054 ROUTE 130 IRWIN, PA 15642 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $846 | — | $846 | 5.63% |
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 | 279 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 149 | $1.7M |
| Vision | VISION BENEFITS OF AMERICA | 279 | $19K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $75K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $40K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $40K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 279 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.