| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF PENNSYLVANIA, L | 1301 GRANDVIEW AVE. SUITE 400 PITTSBURGH, PA 15211 | HIGHMARK | $52K | — | $52K | 2.00% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $7K | $1K | $8K | 5.78% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | — | $1K | $1K | 0.86% |
| BLACK ROK BENEFIT ALLIANCE LLC3 Filed as: BLACK ROK BENEFIT ALLIANCE | P O BOX 211 YOUNGWOOD, PA 15697 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $60K | — | $60K | 56.68% |
| SUPPLEMENTAL BENEFITS SERVICES INC3 Filed as: SUPPLEMENTAL BENEFIT SERVICES | 3900 INDUSTRIAL PK DR STE 11 ALTOONA, PA 16602 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $26K | — | $26K | 24.29% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $795 | $8K | 7.73% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.00% |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | BEAZLEY INSURANCE COMPANY INC | $5K | — | $5K | 10.00% |
| ASCRIBO LLC3 | 3900 INDUSTRIAL PARK DRIVE SUITE 11 ALTOONA, PA 16602 | BEAZLEY INSURANCE COMPANY INC | $3K | — | $3K | 6.85% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 14.80% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $206 | $4K | 15.75% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $262 | $262 | 0.96% |
| BLACK ROK BENEFIT ALLIANCE LLC3 Filed as: BLACK ROK BENEFIT ALLIANCE | P O BOX 211 YOUNGWOOD, PA 15697 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 49.00% |
| SUPPLEMENTAL BENEFITS SERVICES INC3 Filed as: SUPPLEMENTAL BENEFIT SERVICES | 3900 INDUSTRIAL PK DR STE 11 ALTOONA, PA 16602 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 20.99% |
| BLACK ROK BENEFIT ALLIANCE LLC3 Filed as: BLACK ROK BENEFIT ALLIANCE | P O BOX 211 YOUNGWOOD, PA 15697 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 49.01% |
| SUPPLEMENTAL BENEFITS SERVICES INC3 Filed as: SUPPLEMENTAL BENEFIT SERVICES | 3900 INDUSTRIAL PK DR STE 11 ALTOONA, PA 16602 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $521 | — | $521 | 20.98% |
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 | 551 | 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) | 551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK | 456 | $2.7M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 268 | $135K |
| Vision | HIGHMARK | 456 | $2.6M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 551 | $106K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 90 | $31K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 551 | $106K |
| Prescription drug | HIGHMARK | 456 | $2.6M |
| Other(5 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 551 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.