| 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 | $57K | — | $57K | 2.00% |
| BLACK ROK BENEFIT ALLIANCE LLC3 Filed as: BLACK ROK BENEFIT ALLIANCE | P O BOX 211 YOUNGWOOD, PA 15697 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $187K | — | $187K | 48.81% |
| ASCRIBO LLC3 | 3900 INDUSTRIAL PK DR STE 11 ALTOONA, PA 16602 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $72K | — | $72K | 18.86% |
| SUPPLEMENTAL BENEFITS SERVICES INC3 Filed as: SUPPLEMENTAL BENEFIT SERVICES | 3900 INDUSTRIAL PK DR STE 11 ALTOONA, PA 16602 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $8K | — | $8K | 2.17% |
| TIER #1 BENEFITS LLC3 Filed as: TIER 1 BENEFITS LLC | P O BOX 211 YOUNGWOOD, PA 15697 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.26% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD STREET COLUMBUS, OH 43215 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 5.01% |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | BEAZLEY INSURANCE COMPANY INC | $10K | — | $10K | 7.67% |
| ASCRIBO LLC3 | 3900 INDUSTRIAL PARK DRIVE SUITE 11 ALTOONA, PA 16602 | BEAZLEY INSURANCE COMPANY INC | $5K | — | $5K | 4.07% |
| TIER #1 BENEFITS LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | BEAZLEY INSURANCE COMPANY INC | $4K | — | $4K | 3.50% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $798 | $8K | 8.43% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | -$1K | -$1K | -1.08% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 14.68% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $185 | $4K | 17.15% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | -$262 | -$262 | -1.16% |
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 | 446 | 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) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK | 463 | $3.0M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 384 | $145K |
| Vision | HIGHMARK | 463 | $2.9M |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 466 | $482K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 79 | $28K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 446 | $98K |
| Prescription drug | HIGHMARK | 463 | $2.9M |
| Other(3 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 466 | $504K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.