| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD F MCINTIRE3 Filed as: RICHARD MCINTIRE | 200 WEST MAIN STREET, SUITE D P.O. BOX 285 LIGONIER, PA 156580285 | HIGHMARK | $68K | — | $68K | 4.61% |
| JOYCE MCINTIRE3 | 200 WEST MAIN STREET SUITE D P.O. BOX 285 LIGONIER, PA 156580285 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $7K | — | $7K | 10.79% |
| JOYCE MCINTIRE3 Filed as: JOYCE P. MCINTIRE | P.O. BOX 285 LIGONIER, PA 156580285 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.05% |
| RICHARD F MCINTIRE3 Filed as: RICHARD MCINTIRE | 200 WEST MAIN STREET SUITE D PO BOX 285 LIGONIER, PA 156580285 | HIGHMARK | $411 | — | $411 | 3.03% |
| JOYCE MCINTIRE3 | 200 WEST MAIN STREET SUITE D P.O. BOX 285 LIGONIER, PA 156580285 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $509 | — | $509 | 4.84% |
| JOYCE MCINTIRE3 Filed as: JOYCE P. MCINTIRE | 200 WEST MAIN STREET, SUITE D P.O. BOX 285 LIGONIER, PA 156580285 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $810 | — | $810 | 12.85% |
| JOYCE MCINTIRE3 Filed as: JOYCE P. MCINTIRE | P.O. BOX 285 LIGONIER, PA 156580285 | STANDARD INSURANCE COMPANY | $497 | — | $497 | 12.53% |
| JOYCE MCINTIRE3 Filed as: JOYCE P. MCINTIRE | 200 WEST MAIN STREET, SUITE D P.O. BOX 285 LIGONIER, PA 156580285 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $309 | — | $309 | 19.97% |
| RICHARD F MCINTIRE3 Filed as: RICHARD MCINTIRE | 200 WEST MAIN STREET SUITE D PO BOX 285 LIGONIER, PA 156580285 | HIGHMARK | $35 | — | $35 | 2.96% |
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 206 | $1.5M |
| Dental(2 contracts) | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 200 | $78K |
| Vision(2 contracts) | HIGHMARK | 176 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 131 | $6K |
| Short-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 131 | $28K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 26 | $2K |
| Prescription drug | HIGHMARK | 206 | $1.5M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 131 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.