| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAMMONS COMPANY, L.P.3 | 208 ST. ALBANS FAIRWAY MEMPHIS, TN 38111 | METLIFE LEGAL PLANS | $7K | — | $7K | 5.62% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $846 | $3K | 14.44% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 19222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $367 | $2K | 12.21% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $407 | $2K | 19.59% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $400 | $2K | 19.98% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $201 | $1K | 17.67% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $996 | $176 | $1K | 17.65% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNITED OF OMAHA INSURANCE COMPANY | $534 | $158 | $692 | 19.44% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | MUTUTAL OF OMAHA LIFE INSURANCE COMPANY | $108 | $27 | $135 | 18.80% |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 172 | $1.1M |
| Dental | AETNA LIFE INSURANCE CO. | 183 | $70K |
| Vision(2 contracts, 2 carriers) | VISION BENEFITS OF AMERICA | 61 | $5K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $28K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 49 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $8K |
| Prescription drug | HIGHMARK INC. | 172 | $1.1M |
| Other(5 contracts, 3 carriers) | METLIFE LEGAL PLANS | 346 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.