| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN A. SCOTTI Filed as: JOHN A SCOTTI | 100 STANWIX STREET PITTSBURG, PA 15222 | HIGHMARK BLUE CROSS BLUE SHIELD | $47K | — | $47K | 1.39% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF PENNSYLVANIA, INC. | ONE PPG PLACE PITTSBURG, PA 15222 | HIGHMARK BLUE CROSS BLUE SHIELD | $47K | — | $47K | 1.39% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MARYLAND, INC. | 225 SCHILLING CIRCLE STE 150 HUNT VALLEY, MD 21031 | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 4.23% |
| ENROLLEASE Filed as: DIGITAL INSURANCE AGENCY LLC | 200 GALLERIA PKWY ATLANTA, GA 30339 | UNITED CONCORDIA INSURANCE COMPANY | $954 | — | $954 | 0.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 12505 POTOMAC AVE STE 300 POTOMAC, MD 20854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 6.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 12505 POTOMAC AVE STE 300 POTOMAC, MD 20854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 10.25% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MARYLAND, INC. | 225 SCHILLING CIRCLE STE 150 HUNT VALLEY, MD 21031 | UNITED CONCORDIA DENTAL PLANS, INC. | $1K | — | $1K | 4.23% |
| ENROLLEASE Filed as: DIGITAL INSURANCE AGENCY LLC | 200 GALLERIA PKWY ATLANTA, GA 30339 | UNITED CONCORDIA DENTAL PLANS, INC. | $209 | — | $209 | 0.79% |
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 | 521 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD | 468 | $3.4M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 293 | $145K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $51K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $51K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 363 | $110K |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD | 468 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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.