No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PNC BANK EIN 25-1211909 PLAN TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $44K |
| CITIZENS BANK PLAN TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $41K |
| BSWIFT LLC EIN 36-4391310 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | — | $20K |
| BILKEY KATZ INV CONSULTANTS EIN 13-4226829 PLAN ACTUARY | Actuarial; Consulting (general) Service code 11 | — | $14K |
| AON CONSULTING, INC. EIN 22-2232264 PLAN CONSULTANT | Consulting fees; Valuation (appraisals, etc.) Service code 34 | — | $14K |
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 | 1,057 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 370 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 108 | $295K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,337 | $906K |
| Prescription drug | HIGHMARK | 108 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,337 | — |
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.
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.