| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | UNITED CONCORDIA INSURANCE COMPANY | $14K | — | $14K | 5.64% |
| JOHN A. SCOTTI | 100 STANWIX STREET PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $186 | — | $186 | 0.18% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | FIDELITY SECURITY LIFE INSURANCE CO. | $3K | — | $3K | 3.46% |
| JOHN A. SCOTTI | 100 STANWIX STREET PITTSBURGH, PA 15222 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $481 | — | $481 | 16.29% |
| SMITH, THOMAS, CHRISTOPHER3 | P.O. BOX 6650 METAIRIE, LA 70009 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | -$8 | — | -$8 | -0.27% |
| SMITH, THOMAS, CHRISTOPHER3 | P.O. BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $74 | — | $74 | 4.83% |
| JOHN A. SCOTTI | 100 STANWIX STREET PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44 | — | $44 | 2.87% |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 316 | $252K |
| Vision | HIGHMARK BLUECROSS BLUESHIELD | 265 | $27K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 353 | $139K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 353 | $104K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 353 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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."
No prospect flags tripped on this filing.