| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $96K | $62K | $158K | 8.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA | 26 CENTURY BLVD, 4TH FL S NASHVILLE, TN 37204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $73K | — | $73K | 3.90% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESENE BLVD PITTSBURGH, PA 15222 | HIGHMARK | $275 | — | $275 | 0.09% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 1.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | ONE PPG PLACE, SUITE 600 PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 1.48% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | AXIS INSURANCE COMPANY | $392 | — | $392 | 19.99% |
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 | 2,297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 12 | $317K |
| Vision | VISION BENEFITS OF AMERICA | 882 | $79K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,116 | $1.9M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,116 | $1.9M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,116 | $1.9M |
| Prescription drug | HIGHMARK | 12 | $317K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,297 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,297 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.