| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA RD PITTSBURGH, PA 15241 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.61% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES | PO BOX 593 HOLLIDAYSBURG, PA 16648 | PRINCIPAL LIFE INSURANCE COMPANY | $947 | — | $947 | 1.58% |
| STALWART INSURANCE LLC3 | 2570 BLOYCE PLAZA RD STE 160 PITTSBURGH, PA 15241 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 12.52% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $255 | $1K | 6.20% |
| WESBANCO INSURANCE SERVICES INC3 | 3000 LENTO BLVD BETHEL PARK, PA 15102 | METROPOLITAN LIFE INSURANCE COMPANY | $905 | — | $905 | 4.06% |
| STALWART INSURANCE LLC3 Filed as: STALWART INSURANCE AGENCY | 2550 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 | EYEMED VISION CARE | $952 | — | $952 | 6.50% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | EYEMED VISION CARE | $370 | — | $370 | 2.53% |
| WESBANCO INSURANCE SERVICES INC3 Filed as: WESBANCO INSURANCE SERVICES | 2100 NATIONAL ROAD WHEELING, WV 26003 | EYEMED VISION CARE | $14 | — | $14 | 0.10% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 124 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $60K |
| Vision | EYEMED VISION CARE | 144 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $22K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.