| 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 | $209K | — | $209K | 7.87% |
| KAREN PRIMM3 | 444 LIBERTY AVE. PITTSBURGH, PA 15222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $165K | — | $165K | 6.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 444 LIBERTY AVE. 4 GATEWY #505 PITTSBUGH, PA 15222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 0.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | FOUR GATEWAY CENTER 444 LIBERTY AVENUE SUITE 505 PITTSBURGH, PA 15222 | HIGHMARK INC. | $135 | — | $135 | 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 TOWERS WATSON NORTHEAST, INC | ONE PPG PLACE SUITE 1000 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $2K | $27K | 28.07% |
| 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 | $608 | — | $608 | 0.63% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $260 | — | $260 | 0.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | C/O INNOTECH 233 S WACKER DRIVE, STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 19.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 100 MATSONFORD ROAD BLDG 5, STE 200 RADNOR, PA 19087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 9.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | PO BOX 32090 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.19% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $916 | $916 | 1.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST. 7TH FLOOR NEW YORK, NY 10281 | HARTFORD LIFE AND ACCIDENT | $342 | — | $342 | 24.98% |
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 | 2,809 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 81 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,906 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 9 | $284K |
| Vision | VISION BENEFITS OF AMERICA | 1,421 | $105K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,651 | $2.7M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,651 | $2.7M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,651 | $2.7M |
| Prescription drug | HIGHMARK INC. | 9 | $284K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,809 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,809 | — |
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.