| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | UNITED CONCORDIA INSURANCE COMPANY | $8K | — | $8K | 4.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $827 | $5K | 6.04% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | HIGHMARK BLUECROSS BLUESHIELD | $2K | — | $2K | 9.99% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | UNITED CONCORDIA INSURANCE COMPANY | $350 | — | $350 | 10.35% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | UNITED CONCORDIA INSURANCE COMPANY | 257 | $212K |
| Vision | HIGHMARK BLUECROSS BLUESHIELD | 227 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 237 | $80K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 237 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.