| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AARON DANIEL GANDER3 | 212 WASHINGTON AVE BRIDGEVILLE, PA 15017 | HIGHMARK, INC. | $29K | — | $29K | 2.00% |
| STALWART INSURANCE LLC3 | 2570 BOYCE PLAZA RD SUITE 160 PITTSBURGH, PA 15241 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $232 | $134 | $366 | 0.49% |
| STALWART INSURANCE LLC3 | 2570 BOYCE PLAZA PLACE SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD | $1K | — | $1K | 9.06% |
| USI INSURANCE SERVICES LLC3 | SIX PPG PLACE SUITE 200 PITTSBURGH, PA 15222 | RELIANCE STANDARD | $746 | — | $746 | 5.94% |
| STALWART INSURANCE LLC3 | 2570 BOYCE PLAZA PLACE SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD | $773 | — | $773 | 6.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | SIX PPG PLACE SUITE 200 PITTSBURGH, PA 15222 | RELIANCE STANDARD | $508 | — | $508 | 4.36% |
| STALWART INSURANCE LLC3 Filed as: STALWART INSURANCE LCC | 2550 BOYCE PLAZA ROAD PITTSTBURGH, PA 15241 | FSL | $894 | — | $894 | 8.00% |
| STALWART INSURANCE LLC3 | 2570 BOYCE PLAZA PLACE SUITE 160 PITTSBURG, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $624 | — | $624 | 6.66% |
| USI INSURANCE SERVICES LLC3 | SIX PPG PLACE, SUITE 200 PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $406 | — | $406 | 4.34% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 121 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 122 | $75K |
| Vision | FSL | 94 | $11K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 34 | $9K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD | 34 | $21K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD | 34 | $22K |
| Prescription drug | HIGHMARK, INC. | 121 | $1.4M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 34 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.