| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAGEWELL PARTNERS INC3 | 1501 REEDSDALE ST. STE 304 PITTSBURGH, PA 15233 | AETNA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.24% |
| SAGEWELL PARTNERS INC3 | 1501 REEDSDALE ST. STE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $976 | $3K | 8.14% |
| SAGEWELL PARTNERS INC3 | 1501 REEDSDALE ST. STE 403 PITTSBURGH, PA 15232 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $709 | $4K | 15.63% |
| SAGEWELL PARTNERS INC3 | 1501 REEDSDALE ST. STE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $514 | $2K | 12.78% |
| SAGEWELL PARTNERS INC3 | 1501 REEDSDALE ST. STE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $184 | $112 | $296 | 8.01% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 210 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $31K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 64 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 174 | $23K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 114 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.