| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 152223602 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $736 | $14K | 2.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP HOSPITALIZTION MEDICAL EIN 53-0078070 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $562K |
| CAREFIRST ADMINISTRATORS EIN 52-1187907 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $56K |
| HENDERSON BROTHERS, INC. BROKER | Insurance brokerage commissions and fees Service code 53 | 920 FORT DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | $43K |
| HINES & ASSOCIATES EIN 36-3545085 CONSULTANT | Consulting (general) Service code 16 | — | $9K |
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 | 925 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 925 | $504K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 925 | $504K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 925 | $504K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 925 | $504K |
| Stop-loss / reinsurancereinsurance | HM INSURANCE GROUP | 390 | $348K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 925 | $504K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 925 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.