| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES ALEXANDER3 | 12 FEDERAL STREET #405 PITTSBURGH, PA 15212 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $35K | — | $35K | 16.83% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 764 BESSEMER STREET SUITE 101 MEADVILLE, PA 16335 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 6.43% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 2.16% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $478 | — | $478 | 0.23% |
| FIRST NATIONAL INSURANCE3 | 12 FEDERAL STREET SUITE 405 1 NORTH SHORE CENTER PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.80% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION STREET COLUMBIA, NC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $238 | $3K | 5.96% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY INC | 1 NORTH SHORE CENTER PITTSBURGH, PA 15212 | VISION SERVICE PLAN | $1K | — | $1K | 4.80% |
| FIRST NATIONAL INSURANCE AGENCY3 | 12 FEDERAL STREET SUITE 405 1 NORTHSHORE PITTSBURG, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 16.32% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $227 | $2K | 6.36% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 209 | $207K |
| Vision | VISION SERVICE PLAN | 139 | $26K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $80K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $56K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 215 | $208K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 215 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.