| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY F CUMMINGS3 | 6 PPG PLACE STE 600 PITTSBURGH, PA 15222 | THE HARTFORD | $1K | — | $1K | 10.00% |
| 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 | $394K |
| BETH A. KEY PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 69100 BAYBERRY DRIVE ST. CLAIRSVILLE, OH 43950 | $83K |
| WESBANCO INVESTMENTS INVESTMENT CUSTODIAN | Custodial (securities) Service code 19 | ONE BANK PLAZA WHEELING, WV 26003 | $34K |
| YURCHYK & DAVIS CPA'S, INC. EIN 34-1638235 AUDITOR | Accounting (including auditing) Service code 10 | — | $32K |
| BENEFIT MANAGEMENT SOLUTIONS CONSULTING | Consulting (pension) Service code 17 | 622 CENTRAL AVENUE JOHNSTOWN, PA 15902 | $29K |
| A AND M HOLDING COMPANY RENT | Other fees Service code 99 | 69100 BAYBERRY DRIVE ST. CLAIRSVILLE, OH 43950 | $21K |
| CW BREITSMAN ASSOCIATION LLC 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 | $18K |
| THE HARTFORD FINL SERVICES GROUP LIFE INSURANCE PROVIDER | Insurance services Service code 23 | PO BOX 2999 HARTFORD, CT 06104 | $12K |
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 | 199 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE HARTFORD | 247 | $12K |
| Stop-loss / reinsurancereinsurance | HIGHMARK LIFE INSURANCE COMPANY | 217 | $262K |
| Other | THE HARTFORD | 247 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.