| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 Filed as: S.S. NESBITT & CO.INC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $22K | — | $22K | 6.05% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 1.67% |
| HENDERSON BROTHERS, INC.3 | 920 FT. DUQUESNE BLVD PITTSBURGH, PA 15222 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 1.53% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 8.59% |
| S S NESBITT & CO INC3 Filed as: S.S. NESBITT & CO. | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 6.72% |
| HENDERSON BROTHERS, INC.3 | 920 FT. DUQUESNE BLVD PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.01% |
| S S NESBITT & CO INC3 Filed as: S.S. NESBITT & CO. | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 2.18% |
| HENDERSON BROTHERS, INC.3 | 920 FT. DUQUESNE BLVD PITTSBURGH, PA 15222 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $247 | — | $247 | 0.22% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 100 STATE STREET, SUITE 510 ERIE, PA 16507 | HIGHMARK, INC. | $363 | — | $363 | 1.99% |
| HENDERSON BROTHERS, INC.3 | 920 FT. DUQUESNE BLVD PITTSBURGH, PA 15222 | HIGHMARK, INC. | $78 | — | $78 | 0.43% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 507 | $110K |
| Vision | HIGHMARK, INC. | 461 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 250 | $135K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 250 | $135K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 202 | $358K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 250 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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.