| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMS INSURANCE GROUP LLC3 Filed as: ARMS INSURANCE GROUP, LLC | 3000 LENTO BLVD. BETHEL PARK, PA 15102 | HIGHMARK | $597 | — | $597 | 0.04% |
| ARMS INSURANCE GROUP LLC3 Filed as: ARMS INSURANCE GROUP, LLC | 300 LENTO BLVD. BETHEL PARK, PA 15102 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $6K | — | $6K | 7.51% |
| RICHARD BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | ONE AMERICA | $5K | — | $5K | 12.22% |
| RICHARD D BRYER3 Filed as: RICHARD D. BRYER, SR | 2135 RIDGE ROAD GREENSBURG, PA 15601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.67% |
| RICHARD BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $303 | — | $303 | 13.07% |
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 | 395 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 252 | $1.6M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 306 | $77K |
| Vision | HIGHMARK | 252 | $1.6M |
| Life insurance(3 contracts, 3 carriers) | ONE AMERICA | 379 | $68K |
| Short-term disability | ONE AMERICA | 64 | $37K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 379 | $30K |
| Prescription drug | HIGHMARK | 252 | $1.6M |
| Other(3 contracts, 3 carriers) | ONE AMERICA | 379 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.