| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 26 CENTURY BLVD 4TH FL SOUTH NASHVILLE, TN 37214 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 3.00% |
| FENNELL HOLDINGS INC3 | 1501 REEDSDALE ST. SUITE 304 PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 5.52% |
| SAGEWELL PARTNERS INC3 | 1501 REEDSDALE ST. SUITE 403 PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 2.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | PO BOX 905196 CHARLOTTE, NC 282905196 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $10K | — | $10K | 5.50% |
| FENNELL HOLDINGS INC3 | 1501 REEDSDALE ST. SUITE 304 PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 22.03% |
| SAGEWELL PARTNERS INC3 | 1501 REEDSDALE ST. SUITE 403 PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 2.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA | 444 LIBERTY AVENUE, SUITE 505 PITTSBURGH, PA 15222 | ZURICH AMERICAN INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 200 LIBERTY STREET NEW YORK, NY 102810000 | FEDERAL INSURANCE COMPANY | $17K | — | $17K | 25.00% |
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 | 2,321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,173 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | 164 | $33K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 3,581 | $180K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,712 | $839K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,407 | $456K |
| Other(2 contracts, 2 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 2,321 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,712 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.