| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $282K | $9K | $291K | 2.97% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | DELTA DENTAL INSURANCE COMPANY | $101K | — | $101K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | SAGEWELL PARTNERS 1501 REEDSDALE STREET, STE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $6K | $28K | 12.46% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | SAGEWELL PARTNERS 1501 REEDSDALE STREET, STE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $5K | $23K | 12.44% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | SAGEWELL PARTNERS 1501 REEDSDALE STREET, STE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $3K | $14K | 12.34% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES,INC | 1501 REEDSDALE STREET SUITE 3005 PITTSBURGH, PA 15233 | EYEMED VISION CARE | $9K | — | $9K | 8.85% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | SAGEWELL PARTNERS 1501 REEDSDALE STREET, STE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $931 | $5K | 12.28% |
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 | 1,528 | 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) | 1,528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,058 | $9.8M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,323 | $1.0M |
| Vision | EYEMED VISION CARE | 1,888 | $103K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,528 | $225K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 733 | $187K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,528 | $110K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,058 | $9.8M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,528 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,323 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.