| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | HIGHMARK INC. | $39K | — | $39K | 3.50% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | HIGHMARK INC. | $11K | — | $11K | 12.07% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $4K | $17K | 19.82% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $8K | 11.62% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 19.67% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $321 | $6K | 15.92% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 5.00% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 509 | $1.1M |
| Dental | HIGHMARK INC. | 476 | $91K |
| Vision | VISION BENEFITS OF AMERICA | 216 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $61K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $85K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $71K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.