| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA | PO BOX 32090 NEW YORK, NY 10087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $188K | — | $188K | 8.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 S WACKER DR STE 1800 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | $85K | $16K | $101K | 25.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD RD BLDG 5 WAYNE, PA 19087 | RELIASTAR LIFE INSURANCE COMPANY | $30K | — | $30K | 7.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | FOUR GATEWAY CENTER 444 LIBERTY AVENUE SUITE 505 PITTSBURGH, PA 15222 | HIGHMARK INC. | $120 | — | $120 | 0.05% |
| 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. | ONE PPG PLACE SUITE 1000 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $2K | $22K | 30.35% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | SUITE 400 1820 E 1ST ST SANTA ANA, CA 92705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $749 | — | $749 | 1.05% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $321 | — | $321 | 0.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | C/O INNOTECH 233 S WACKER DR STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | $855 | $16K | 26.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD ROAD BUILDING 5, SUITE 200 RADNOR, PA 19087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $247 | $6K | 9.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PA | PO BOX 32090 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $544 | $4K | 7.08% |
| 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 | 2,614 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 77 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 9 | $263K |
| Vision | VISION BENEFITS OF AMERICA | 1,574 | $116K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,048 | $2.3M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,048 | $2.3M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,048 | $2.3M |
| Prescription drug | HIGHMARK INC. | 9 | $263K |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,048 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,048 | — |
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.