| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN A. SCOTTI3 Filed as: JOHN SCOTTI | 100 STANWIX STREET PITTSBURGH, PA 15222 | HIGHMARK BCBS | $4.2M | $0 | $4.2M | 3.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY ST FL 6 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | HIGHMARK BCBS | $916K | $0 | $916K | 0.72% |
| JOHN A. SCOTTI3 | 100 STANWIX ST. PITTSBURG, PA 15222 | HIGHMARK BCBS | $560K | $0 | $560K | 4.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY ST., FLOOR 6 1 WORLD FINANCIAL CENTER NEW YORK, NY 102810001 | METROPOLITAN LIFE INSURANCE COMPANY | $94K | $28K | $122K | 3.87% |
| JOHN A. SCOTTI3 Filed as: JOHN SCOTTI | 100 STANWIX ST PITTSBURGH, PA 152221310 | METROPOLITAN LIFE INSURANCE COMPANY | $94K | $0 | $94K | 2.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST FL 6 NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $1K | $11K | 5.44% |
| JOHN A. SCOTTI3 Filed as: JOHN SCOTTI | 100 STANWIX ST PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.82% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN ARTHUR SCOTTI | 100 STANWIX ST PITTSBURGH, PA 152221310 | UNITED CONCORDIA COMPANIES, INC. | $4K | $347 | $4K | 4.74% |
| JOHN A. SCOTTI3 Filed as: JOHN A SCOTTI | 100 STANWIX STREET PITTSBURGH, PA 15222 | HIGHMARK BCBS | $690 | $0 | $690 | 7.37% |
| JOHN A. SCOTTI3 Filed as: JOHN A SCOTTI | 100 STANWIX STREET PITTSBURGH, PA 15222 | HHIC | $386 | $0 | $386 | 5.00% |
No Schedule C service providers reported on this filing.
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 | 9,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 199 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HIGHMARK BCBS | 24,230 | $139.4M |
| Dental(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,946 | $3.7M |
| Vision(2 contracts) | HIGHMARK BCBS | 188 | $19K |
| Prescription drug(3 contracts, 2 carriers) | HIGHMARK BCBS | 24,230 | $139.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,230 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.