| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC. Filed as: HENDERSON BROTHERS | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | HIGHMARK BLUE CROSS BLUE SHIELD OF WEST VIRGINIA | $50K | — | $50K | 1.77% |
| HENDERSON BROTHERS, INC. Filed as: HENDERSON BROTHERS | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | ONE AMERICA | $6K | $2K | $9K | 10.46% |
| HENDERSON BROTHERS, INC. Filed as: HENDERSON BROTHERS | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | DELTA DENTAL | $1K | $13K | $14K | 20.06% |
| HENDERSON BROTHERS, INC. Filed as: HENDERSON BROTHERS | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $468 | $2K | $2K | 67.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK WEST VIRGINIA EIN 55-0624615 | Claims processing Service code 12 | 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $2.8M |
| DELTA DENTAL EIN 55-0523124 | Claims processing Service code 12 | ONE DELTA DRIVE MECHANICSBURG, PA 17055 | $72K |
| VISION BENEFITS OF AMERICA EIN 25-1149206 | Claims processing Service code 12 | PO BOX 640272 PITTSBURGH, PA 152640272 | $17K |
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 | 395 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD OF WEST VIRGINIA | 388 | $2.8M |
| Dental | DELTA DENTAL | 421 | $72K |
| Vision | VISION BENEFITS OF AMERICA | 262 | $3K |
| Life insurance | ONE AMERICA | 328 | $81K |
| Long-term disability | ONE AMERICA | 328 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.