| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 12 FEDERAL STREET SUITE 405 ONE NORTH SHORE CENTER PITTSBURGH, PA 15212 | UNITED HEALTHCARE INSURANCE COMPANY | — | $63K | $63K | 3.10% |
| FIRST NATIONAL INSURANCE AGENCY3 | P.O. BOX 297 SELINSGROVE, PA 17870 | GEISINGER QUALITY OPTIONS, INC. | $9K | $30 | $9K | 2.24% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 12 FEDERAL STREET SUITE 405 ONE NORTH SHORE CENTER PITTSBURGH, PA 152125700 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.90% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $117 | $1K | 0.89% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 12 FEDERAL STREET SUITE 405 ONE NORTH SHORE CENTER PITTSBURGH, PA 15212 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 7.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 6100 FAIRVIEW ROAD SUITE 1400 CHARLOTTE, NC 28210 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 2.99% |
| FIRST NATIONAL INSURANCE AGENCY3 | 12 FEDERAL STREET PITTSBURGH, PA 15212 | EYEMED | $3K | — | $3K | 9.29% |
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 | 287 | 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) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 357 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $144K |
| Vision(2 contracts) | EYEMED | 485 | $30K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 287 | $72K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 287 | $72K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 287 | $72K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 357 | $2.4M |
| Other | HARTFORD LIFE AND ACCIDENT | 287 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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."
No prospect flags tripped on this filing.