| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOC. INC | 444 LIBERTY AVE STE 900 PITTSBURGH, PA 152221222 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.09% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES INC. | FOUR GATEWAY CENTER 444 LIBERTY AVE SUITE 1900 PITTSBURGH, PA 152221222 | HIGHMARK CASUALTY INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $3.1M |
| LABORERS COMBINED FUNDS OF W PA EIN 25-1333639 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $1.5M |
| HIGHMARK CASUALTY INSURANCE EIN 25-1334623 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $551K |
| ROBECO INVESTMENT MANAGEMENT, INC EIN 98-0202744 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $266K |
| CS MCKEE LP EIN 25-1900687 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $115K |
| TUCKER ARENSBERG PC EIN 25-1425735 NONE | Legal; Direct payment from the plan Service code 29 | — | $106K |
| WINDHAVEN INVESTMENT MANAGEMENT INC EIN 27-3763801 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $95K |
| BNYMELLON BANK EIN 13-5160382 NONE | Custodial (securities); Securities brokerage commissions and fees; Direct payment from the plan Service code 19 | — | $81K |
| COLUMBIA PARTNERS EIN 52-1940739 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $52K |
| HOWARD GROSSINGER EIN 25-1266288 NONE | Legal; Direct payment from the plan Service code 29 | — | $38K |
| COWDEN ASSOCIATES EIN 25-1750131 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $35K |
| HARTFORD FIRE INS. COMPANY EIN 06-0383750 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $28K |
| SISTERSON & CO. LLP EIN 25-1467156 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $23K |
| ULLICO CASUALTY COMPANY EIN 13-2988846 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $15K |
| CAPTRUST ADVISORS LLC EIN 45-0479693 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $13K |
| KENNETH WASSERMAN EIN 25-1382693 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $5K |
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 | 6,080 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 395 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 38 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY(DAVIS VISION) | 15,089 | $851K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 26,903 | $1.3M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 6,136 | $674K |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE COMPANY | 6,594 | $546K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,903 | — |
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.