| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | ONE NORTH SHORE CENTER, SUITE 405 PITTSBURGH, PA 15205 | HIGHMARK, INC. | $46K | $0 | $46K | 3.69% |
| FIRST NIAGARA RISK MANAGEMENT3 | 726 EXCHANGE STREET, SUITE 900 BUFFALO, NY 14210 | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 4.53% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY, LLC | 4200 ROCKSIDE ROAD, SUITE 103 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $915 | $0 | $915 | 1.15% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 704 NORTH MAIN STREET MEADVILLE, PA 16335 | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $631 | $0 | $631 | 0.79% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 247 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $80K |
| Vision | HIGHMARK, INC. | 247 | $1.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $0 |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $0 |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $0 |
| Prescription drug | HIGHMARK, INC. | 247 | $1.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.