| 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 | -$32 | $61K | $61K | 3.10% |
| FIRST NATIONAL INSURANCE AGENCY3 | P.O. BOX 297 SELINSGROVE, PA 17870 | GEISINGER QUALITY OPTIONS, INC. | $10K | $30 | $10K | 2.64% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $955 | $7K | 5.08% |
| 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 | 3.09% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | METROPOLITAN LIFE INSURANCE COMPANY | $931 | — | $931 | 0.70% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 12 FEDERAL STREET SUITE 405 ONE NORTH SHORE CENTER PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 19.93% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 9.52% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 7.17% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.42% |
| FIRST NATIONAL INSURANCE AGENCY3 | 12 FEDERAL STREET PITTSBURGH, PA 15212 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $3K | — | $3K | 10.01% |
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 | 318 | 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) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 348 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 440 | $132K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 944 | $30K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 310 | $100K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 310 | $100K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 310 | $100K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 348 | $2.4M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 314 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 944 | — |
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.