| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF PA LLC | 1301 GRANDVIEW AVE SUITE 400 PITTSBURGH, PA 15211 | HIGHMARK INC. | $49K | — | $49K | 1.23% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS PENNSYLVANIA, LLC | 1301 GRANDVIEW AVE SUITE 400 PITTSBURGH, PA 15211 | SYMETRA LIFE INSURANCE COMPANY | $28K | $5K | $34K | 9.47% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF PENNSYLVANIA | 1301 GRANDVIEW AVE SUITE 400 PITTSBURGH, PA 15211 | DELTA DENTAL OF PENNSYLVANIA | $7K | — | $7K | 4.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | RELIASTAR LIFE INSURANCE COMPANY | $20K | $2K | $22K | 36.67% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF PENNSYLVANIA | 1301 GRANDVIEW AVE STE 400 PITTSBURGH, PA 15211 | SYMETRA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 20.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1501 REEDSDALE ST SUITE 403 PITTSBURGH, PA 15233 | SYMETRA LIFE INSURANCE COMPANY | -$3K | — | -$3K | -6.42% |
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 | 398 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 258 | $3.9M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 442 | $168K |
| Vision | HM LIFE INSURANCE COMPANY | 430 | $42K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 398 | $354K |
| Short-term disability(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 398 | $408K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 398 | $354K |
| Prescription drug | HIGHMARK INC. | 258 | $3.9M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 398 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.