| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN BENEFITS GROUP, INC.3 Filed as: CROWN BEENFITS GROUP, INC | 2914 PINE AVE NIAGARA FALLS, NY 14301 | HEALTHNOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD OF WESTERN NY | $64K | — | $64K | 3.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SVCS INC | 1501 REEDSDALE ST SUITE 403 PITTSBURGH, PA 15233 | HIGHMARK CASUALTY INSURANCE COMPANY | $64K | — | $64K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURNACE SERVICES | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $6K | $22K | 11.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | $7K | — | $7K | 3.47% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $4K | $12K | 11.43% |
| SAGEWELL PARTNERS INC3 | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | HM LIFE INSURANCE COMPANY - DAVIS VISION | $1K | — | $1K | 3.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | CIGNA LIFE INSURANCE CO OF NEW YORK | $2K | $990 | $3K | 11.27% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $880 | $417 | $1K | 10.95% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY NORTH AMERICA | $713 | $301 | $1K | 10.89% |
| 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 | $262K |
| SAGEWELL PARTNERS INC EIN 33-0785439 NONE | Insurance agents and brokers Service code 22 | 1501 REEDSDALE ST SUITE 403 PITTSBURGH, PA 15233 | -$915 |
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 | 537 | 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) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHNOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD OF WESTERN NY | 381 | $2.1M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | 781 | $280K |
| Vision | HM LIFE INSURANCE COMPANY - DAVIS VISION | 755 | $48K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 572 | $107K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 449 | $199K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 34 | $12K |
| Prescription drug | HEALTHNOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD OF WESTERN NY | 381 | $2.1M |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE COMPANY | 352 | $428K |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO OF NEW YORK | 723 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 781 | — |
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.
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.