| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSORTIO, LLC3 | 212 MAIN STREET RIDGWAY, PA 15853 | HIGHMARK, INC. | $72K | — | $72K | 3.67% |
| IMA, INC.3 | 14185 DALLAS PARKWAY STE 800 DALLAS, TX 75254 | HIGHMARK, INC. | $7K | — | $7K | 0.34% |
| ESS NEXTIER INSURANCE GROUP LLC3 Filed as: ESS NEXTIER INS. GROUP, LLC | PO BOX 955 KITTANNING, PA 16201 | HIGHMARK, INC. | $142 | — | $142 | 0.01% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 416 | $2.0M |
| Dental | HIGHMARK, INC. | 416 | $2.0M |
| Vision | HIGHMARK, INC. | 416 | $2.0M |
| Prescription drug | HIGHMARK, INC. | 416 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.