| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | UNITED CONCORDIA INSURANCE COMPANY | $18K | — | $18K | 9.41% |
| JOHN A. SCOTTI | 100 STANWIX STREET PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 22.77% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 3.16% |
| BB&T INSURANCE SERVICES, INC.3 | 12485 28TH STREET N, SECOND PLAZA ST. PETERSBURG, FL 33716 | FIDELITY SECURITY LIFE INSURANCE CO. | $1K | — | $1K | 2.34% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | P.O. BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $657 | — | $657 | 35.21% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | P.O. BOX 6650 METAIRIE, LA 70009 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $934 | — | $934 | 65.91% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 284 | $191K |
| Vision | HIGHMARK BLUECROSS BLUESHIELD | 256 | $26K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 345 | $132K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 345 | $95K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 345 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.