No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AON CONSULTING EIN 22-2232264 PLAN CONSULTANT | Consulting fees; Valuation (appraisals, etc.) Service code 34 | — | $33K |
| PNC BANK EIN 25-1211909 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 2 PNC PLAZA, 620 LIBERTY AVENUE PITTSBURGH, PA 15222 | $30K |
| CITIZEN BANK TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $25K |
| BUCK GLOBAL, LLC EIN 13-3954297 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $21K |
| CONDUENT CONSULTING CONSULTING | Consulting (general) Service code 16 | — | $15K |
| HALLETT ASSOCIATES, INC. EIN 25-1592340 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $12K |
| BILKEYKATZ INVESTMENT CONSULTANTS EIN 13-4226829 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | — | $11K |
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 | 1,342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 444 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,786 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 42 | $123K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,136 | $797K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,136 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.