| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $5K | $4K | $9K | 12.34% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $3K | $3K | $6K | 10.21% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $3K | $2K | $5K | 12.45% |
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 | 351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 632 | $2.2M |
| Dental | HIGHMARK, INC. | 560 | $156K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 299 | $35K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 354 | $72K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 318 | $61K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 321 | $43K |
| Prescription drug | HIGHMARK, INC. | 373 | $664K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 632 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.