| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN A. SCOTTI3 Filed as: JOHN SCOTTI | 100 STANWIX STREET PITTSBURGH, PA 15222 | HIGHMARK BCBS | $3.2M | $0 | $3.2M | 3.31% |
| 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 | $761K | $0 | $761K | 0.79% |
| JOHN A. SCOTTI3 | 100 STANWIX ST. PITTSBURG, PA 15222 | HIGHMARK BCBS | $352K | $0 | $352K | 4.74% |
| 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 | $70K | $27K | $98K | 3.40% |
| JOHN A. SCOTTI3 Filed as: JOHN SCOTTI | 100 STANWIX ST PITTSBURGH, PA 152221310 | METROPOLITAN LIFE INSURANCE COMPANY | $70K | $0 | $70K | 2.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 35371 NETWORK PL CHICAGO, IL 606730001 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $39 | $4K | 2.29% |
| JOHN A. SCOTTI3 Filed as: JOHN SCOTTI | 100 STANWIX ST PITTSBURGH, PA 152221310 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 432123891 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.95% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN ARTHUR SCOTTI | 100 STANWIX ST PITTSBURGH, PA 152221310 | UNITED CONCORDIA COMPANIES, INC. | $5K | $404 | $6K | 5.25% |
| JOHN A. SCOTTI3 Filed as: JOHN A SCOTTI | 100 STANWIX STREET PITTSBURGH, PA 15222 | HHIC | $4K | $0 | $4K | 4.59% |
| JOHN A. SCOTTI3 Filed as: JOHN A SCOTTI | 100 STANWIX STREET PITTSBURGH, PA 15222 | HIGHMARK BCBS | $960 | $0 | $960 | 7.40% |
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 | 7,961 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 251 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HIGHMARK BCBS | 22,373 | $104.5M |
| Dental(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,849 | $3.1M |
| Vision(2 contracts) | HIGHMARK BCBS | 218 | $23K |
| Prescription drug(3 contracts, 2 carriers) | HIGHMARK BCBS | 22,373 | $104.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,373 | — |
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.