| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GILBERTS INSURANCE AGENCY INC3 Filed as: GILBERTS INSURANCE AGENCY OF PA | 30 E STATE ST SHARON, PA 16146 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.74% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS INSURANCE | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| GILBERTS INSURANCE AGENCY INC3 Filed as: GILBERTS INSURANCE AGENCY OF PA | 30 E STATE ST SHARON, PA 16146 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.73% |
| EMERSON REID LLC3 | — | HIGHMARK, INC. | $231 | — | $231 | 3.02% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $45K |
| Vision | HIGHMARK, INC. | 113 | $8K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 113 | $43K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 113 | $43K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 113 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.