| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC | FOUR GATEWAY CENTER, SUITE 605 444 LIBERTY AVENUE PITTSBURGH, PA 15222 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC. | 444 LIBERTY AVENUE SUITE 605 PITTSBURGH, PA 15222 | SUN LIFE AND HEALTH INSURANCE COMPANY | $5K | $0 | $5K | 6.37% |
| ANDREW F RODGERS INS AGCY INC3 Filed as: ANDREW F RODGERS INSURANCE AGENCY | FOSTER PLAZA V 651 HOLIDAY DRIVE PITTSBURGH, PA 15220 | SUN LIFE AND HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 2.92% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC. | FOUR GATEWAY CENTER 444 LIBERTY AVENUE, SUITE 605 PITTSBURGH, PA 15222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 11.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED CONCORDIA COMPANIES, INC EIN 25-1687586 TPA | Claims processing Service code 12 | — | $13K |
| CIGNA HEALTH & LIFE INSURANCE COMP EIN 59-1031071 HRA TPA | Claims processing Service code 12 | — | $0 |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 210 | $2.6M |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 228 | $79K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 274 | $100K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 210 | $2.6M |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 274 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.