| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURELLC | — | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $12K | $12K | 0.95% |
| ACRISURE LLC3 | — | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.97% |
| 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 | Direct payment from the plan; Insurance services 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 | — | $1.7M |
| HIGHMARK CASUALTY INSURANCE EIN 25-1334623 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $889K |
| ROBECO INVESTMENT MANAGEMENT, INC EIN 98-0202744 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $529K |
| TUCKER ARENSBERG PC EIN 25-1425735 NONE | Legal; Direct payment from the plan Service code 29 | — | $192K |
| CS MCKEE EIN 25-1900687 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $176K |
| MONDRIAN INTERNATIONAL EQUITY FUND EIN 36-7205063 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $168K |
| BNYMELLON BANK EIN 13-5160382 NONE | Direct payment from the plan; Custodial (securities); Securities brokerage commissions and fees Service code 19 | — | $88K |
| COWDEN ASSOCIATES EIN 25-1750131 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $78K |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776242 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $76K |
| HOWARD GROSSINGER EIN 25-1266288 NONE | Legal; Direct payment from the plan Service code 29 | — | $55K |
| SEGAL SELECT EIN 46-0619194 NONE | Direct payment from the plan; Insurance brokerage commissions and fees Service code 50 | — | $34K |
| SISTERSON & CO LLP EIN 25-1467156 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $25K |
| MORGAN STANLEY EIN 20-8764829 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $15K |
| CAPFINANCIAL PARTNERS LLC EIN 26-0058143 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $7K |
| KENNETH WASSERMAN EIN 25-1382693 NONE | Accounting (including auditing); Direct payment from the plan 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 | 6,719 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 382 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY(DAVIS VISION) | 15,263 | $892K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 26,890 | $1.3M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 6,854 | $824K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 7,268 | $821K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,890 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.