| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES INC. | FOUR GATEWAY CENTER 444 LIBERTY AVE SUITE 1900 PITTSBURGH, PA 152221222 | HM LIFE 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 | — | $2.3M |
| 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 | Direct payment from the plan; Insurance services Service code 23 | — | $1.3M |
| ROBECO INVESTMENT MANAGEMENT, INC EIN 98-0202744 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $427K |
| CS MCKEE LP EIN 25-1900687 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $169K |
| MONDRIAN INTERNATIONAL EQUITY FUND EIN 36-7205063 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $127K |
| TUCKER ARENSBERG PC EIN 25-1425735 NONE | Legal; Direct payment from the plan Service code 29 | — | $123K |
| BNYMELLON BANK EIN 13-5160382 NONE | Securities brokerage commissions and fees; Direct payment from the plan; Custodial (securities) Service code 19 | — | $88K |
| CHARTWELL EIN 36-4776242 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $69K |
| COWDEN ASSOCIATES EIN 25-1750131 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $30K |
| HOWARD GROSSINGER EIN 25-1266288 NONE | Legal; Direct payment from the plan Service code 29 | — | $29K |
| SEGAL SELECT EIN 46-0619194 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $27K |
| SISTERSON & CO. LLP EIN 25-1467156 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $24K |
| CAPTRUST ADVISORS LLC EIN 45-0479693 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $14K |
| HARTFORD FIRE INS. COMPANY EIN 20-6038375 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $6K |
| 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 | 6,642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 403 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,056 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY(DAVIS VISION) | 15,218 | $878K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 25,367 | $1.3M |
| Short-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 6,731 | $769K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 7,165 | $672K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,367 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.