| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA | 26 CENTURY BLVD, 4TH FL S NASHVILLE, TN 37214 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $186K | — | $186K | 9.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | FOUR GATEWAY CENTER 444 LIBERTY AVENUE STE 505 PITTSBURGH, PA 15222 | HIGHMARK | $29K | — | $29K | 10.86% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESENE BLVD PITTSBURGH, PA 15222 | HIGHMARK | $5 | — | $5 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | ONE PPG PLACE, SUITE 600 PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 444 LIBERTY AVENUE FOUR GATEWAY CENTER, SUITE 505 PITTSBURGH, PA 15222 | AXIS INSURANCE COMPANY | $358 | — | $358 | 19.98% |
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 | 1,756 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 93 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 10 | $263K |
| Vision | VISION BENEFITS OF AMERICA | 1,080 | $98K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,295 | $2.1M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,295 | $2.1M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,295 | $2.1M |
| Prescription drug | HIGHMARK | 10 | $263K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,295 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,295 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.