| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FT DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | HIGHMARK INC. | $20K | — | $20K | 1.03% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | HIGHMARK INC. | $7K | — | $7K | 0.35% |
| BROOKS JUCHA & ASSOCIATES3 Filed as: BROOKS JUCHA & ASSOCIATES INSURANCE | 990 HIGHLAND DRIVE SUITE 103 SOLANA BEACH, CA 92075 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $4K | $17K | 16.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SERVI | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.22% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $283 | $2K | 6.84% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, IN | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $609 | $225 | $834 | 2.46% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $261 | $3K | 10.96% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, IN | 353 NORTH CLARK STREET CHICAGO, IA 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $201 | $2K | 5.53% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $239 | $3K | 10.25% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, IN | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $755 | $184 | $939 | 3.32% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BOTHERS INC | 920 FORT DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $192 | $2K | 9.82% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, IN | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $784 | $127 | $911 | 4.19% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 110 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 104 | $107K |
| Vision | HIGHMARK INC. | 110 | $1.9M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $53K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $56K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $50K |
| Prescription drug | HIGHMARK INC. | 110 | $1.9M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.