| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAGEWELL PARTNERS INC3 Filed as: SAGEWELL PARTNERS, INC | 1501 REEDSDALE ST SUITE 403 PITTSBURGH, PA 15233 | HIGHMARK CASUALTY INSURANCE COMPANY | $59K | — | $59K | 10.17% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SVCS INC C/O SAGEWELL | 1501 REEDSDALE STREET STE 403 PITTSBURGH, PA 15233 | HIGHMARK CASUALTY INSURANCE COMPANY | $28K | — | $28K | 4.83% |
| SAGEWELL PARTNERS INC3 | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $5K | $20K | 9.36% |
| SAGEWELL PARTNERS INC3 | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | $4K | — | $4K | 1.78% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET SAN DIEGO, CA 92101 | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | $3K | — | $3K | 1.19% |
| SAGEWELL PARTNERS INC3 | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $3K | $13K | 9.95% |
| SAGEWELL PARTNERS INC3 Filed as: SAGEWELL PARTNERS | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | DELTA DENTAL OF NEW YORK | $4K | — | $4K | 4.00% |
| SAGEWELL PARTNERS INC3 | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | HM LIFE INSURANCE COMPANY - DAVIS VISION | $2K | — | $2K | 3.00% |
| SAGEWELL PARTNERS INC3 | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | CIGNA LIFE INSURANCE CO OF NEW YORK | $3K | $675 | $3K | 10.05% |
| SAGEWELL PARTNERS INC3 | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $331 | $1K | 9.49% |
| SAGEWELL PARTNERS INC3 | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY NORTH AMERICA | $733 | $218 | $951 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | FIFTH AVE PLACE 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $461K |
| SAGEWELL PARTNERS INC EIN 33-0785439 NONE | Insurance agents and brokers Service code 22 | 1501 REEDSDALE ST SUITE 403 PITTSBURGH, PA 15233 | $24K |
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 | 555 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | 873 | $310K |
| Vision | HM LIFE INSURANCE COMPANY - DAVIS VISION | 1,266 | $51K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 568 | $130K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 447 | $218K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 36 | $15K |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE COMPANY | 555 | $582K |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO OF NEW YORK | 687 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,266 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.