| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY JACOBSON3 | 5528 RALEIGH STREET PITTSBURGH, PA 15217 | HIGHMARK INC | $50K | — | $50K | 2.77% |
| DENNIS E. MORGRET3 Filed as: DENNIS MORGRET | 1910 COCHRAN RD SUITE 800 PITTSBURGH, PA 15220 | HIGHMARK INC | $16K | — | $16K | 0.89% |
| JACOBSON ASSOCIATES INC3 | 5020 CENTRE AVE PITTSBURGH, PA 15213 | THE HARTFORD | $12K | — | $12K | 9.31% |
| LIBERTY FINANCIAL SERVICES3 Filed as: LIBERTY FINANCIAL SERVICES, INC | 1910 COCHRAN RD SUITE 800 PITTSBURGH, PA 15220 | THE HARTFORD | $5K | — | $5K | 3.99% |
| JACOBSON ASSOCIATES INC3 Filed as: JACOBSON ASSOCIATES | 5020 CENTRE AVE PITTSBURGH, PA 15222 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 7.57% |
| LIBERTY FINANCIAL SERVICES3 Filed as: LIBERTY FINANCIAL SERVICES, INC | 1910 COCHRAN RD SUITE 800 PITTSBURGH, PA 15220 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 3.39% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 331 | $1.8M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 322 | $93K |
| Vision | HIGHMARK INC | 331 | $1.8M |
| Life insurance | THE HARTFORD | 355 | $124K |
| Short-term disability | THE HARTFORD | 355 | $124K |
| Long-term disability | THE HARTFORD | 355 | $124K |
| Prescription drug | HIGHMARK INC | 331 | $1.8M |
| Other | THE HARTFORD | 355 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.