| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNITED CONCORDIA INSURANCE COMPANY | $7K | $1K | $8K | 11.05% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $889 | $4K | 8.24% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | HIGHMARK, INC. | $417 | — | $417 | 2.69% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $73 | $2K | 15.72% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 70.00% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 70.00% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $532 | — | $532 | 10.00% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $676 | $109 | $785 | 17.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 3.49% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY ROAD PO BOX 40386 NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 1.48% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30 | — | $30 | 3.30% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18 | — | $18 | 1.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC. | 850 RIDGE AVE PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 1.32% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 272 | $72K |
| Vision | HIGHMARK, INC. | 252 | $15K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 300 | $48K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 7 | $2K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 236 | $10K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 177 | $398K |
| Other(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 300 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.