| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY F CUMMINGS3 | 6 PPG PLACE STE 600 PITTSBURGH, PA 15222 | THE HARTFORD | $1K | — | $1K | 9.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK BLUE CROSS BLUE SHIELD EIN 55-0624615 CLAIMS PROCESSING | Claims processing Service code 12 | 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $327K |
| BETH A. KEY THIRD PARTY ADMINISTRATOR | Plan Administrator Service code 14 | 69100 BAYBERRY DRIVE ST. CLAIRSVILLE, OH 43950 | $80K |
| YURCHYK & DAVIS CPA'S, INC. EIN 34-1638235 AUDITOR | Accounting (including auditing) Service code 10 | — | $33K |
| WESBANCO INVESTMENTS INVESTMENT CUSTODIAN | Custodial (securities) Service code 19 | ONE BANK PLAZA WHEELING, WV 26003 | $31K |
| BENEFIT INTEGRATION STRATEGIES CONSULTING | Consulting (pension) Service code 17 | 103 SHADY RD LIGONIER, PA 15658 | $29K |
| A AND M HOLDING COMPANY RENT | Other fees Service code 99 | 69100 BAYBERRY DRIVE ST. CLAIRSVILLE, OH 43950 | $21K |
| CW BREITSMAN ASSOCIATION LLC INVESTMENT CONSULTANT | Consulting (pension) Service code 17 | 3 GATEWAY CENTER 1625 PITTSBURGH, PA 15222 | $21K |
| MACALA & PIATT, LLC ATTORNEY | Legal Service code 29 | 601 S MAIN ST NORTH CANTON, OH 44720 | $17K |
| THE HARTFORD FINL SERVICES GROUP LIFE INSURANCE PROVIDER | Insurance services Service code 23 | PO BOX 2999 HARTFORD, CT 06104 | $12K |
| ALLEN BATES TECHNOLOGIES INC. RECIPROCAL PROCESSING | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 600 MCKNIGHT PARK DR PITTSBURGH, PA 15237 | $9K |
| OCPCM COMBINED FUND EIN 20-3443534 RECORDKEEPING | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $8K |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 47 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE HARTFORD | 246 | $12K |
| Stop-loss / reinsurancereinsurance | HIGHMARK LIFE INSURANCE COMPANY | 216 | $230K |
| Other | THE HARTFORD | 246 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.