| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GILBERTS INSURANCE AGENCY INC3 | 30 E STATE ST SHARON, PA 161461705 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.99% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY INS. SERVICES | 680 ANDERSEN DR STE 615 PITTSBURGH, PA 152202759 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| GILBERTS INSURANCE AGENCY INC3 | 30 E STATE ST SHARON, PA 161461705 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.91% |
| EMERSON REID LLC3 | 100 PINEWOOD LANE SUITE 301 WARRENDALE, PA 15086 | HIGHMARK, INC. | $214 | — | $214 | 3.00% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $40K |
| Vision | HIGHMARK, INC. | 139 | $7K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 120 | $38K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 120 | $38K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 83 | $359K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 120 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.