| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 15222 | HIGHMARK, INC. | $67K | — | $67K | 2.96% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 15222 | UPMC HEALTH PLAN | $35K | — | $35K | 2.25% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $4K | $19K | 3.97% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 15222 | HIGHMARK, INC. | $13K | — | $13K | 2.96% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $491 | $10K | 15.78% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 15222 | EYEMED | $2K | — | $2K | 8.25% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $456 | — | $456 | 2.81% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 15222 | UPMC HEALTH PLAN | $247 | — | $247 | 2.02% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 15222 | EYEMED | $6 | — | $6 | 4.88% |
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 | 330 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 773 | $483K |
| Vision(3 contracts, 2 carriers) | EYEMED | 862 | $40K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 773 | $483K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 773 | $483K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 773 | $483K |
| Prescription drug | HIGHMARK, INC. | 511 | $455K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 773 | $549K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 862 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.