| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT INC | 1215 MANOR DRIVE , SUITE 200 MECHANICSBURG, PA 17055 | HEALTH AMERICA OF PENNSYLVANIA, INC. | $54K | — | $54K | 2.50% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: FIRST NATIONAL RISK MANAGEMENT | 726 EXCHANGE STREET, SUITE 900 BUFFALO, NY 14210 | GUARDIAN | $5K | — | $5K | 4.19% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT INC | 726 EXCHANGE ST STE 900 BUFFALO, NY 14210 | HIGHMARK INC. | $1K | — | $1K | 4.32% |
| WHALEN INSURANCE ASSOCIATES, INC.3 Filed as: WHALEN INSURANCE | 275 HESS BOULEVARD SUITE 103 LANCASTER, PA 17601 | SUN LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| THE MCCLAIN GROUP LLC3 | PO BOX 882 CANONSBURG, PA 15317 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $603 | — | $603 | 4.45% |
| EDWARD MICHAEL WILLIG3 | 6017 CLAIRE VALLEY COURT JEFFERSON HILLS, PA 15025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $353 | — | $353 | 2.60% |
| WILLIAM J MARKS3 Filed as: WILLIAM J. MARKS | PO BOX 882 MCMURRAY, PA 15317 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $120 | — | $120 | 0.88% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 12 FEDERAL STREET PITTSBURGH, PA 15212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.26% |
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 | 672 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 677 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH AMERICA OF PENNSYLVANIA, INC. | 536 | $2.1M |
| Dental | GUARDIAN | 346 | $117K |
| Vision | HIGHMARK INC. | 487 | $33K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 37 | $16K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 37 | $16K |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 37 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.