| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | HM LIFE INSURANCE COMPANY | $76K | — | $76K | 10.00% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 2.93% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.33% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 35.16% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.01% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS, INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | EYEMED | $1K | — | $1K | 4.58% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL,INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $380 | — | $380 | 4.55% |
| USI INSURANCE SERVICES LLC3 | SIX PPG PLACE SUITE 200 PITTSBURGH, PA 15222 | FEDERAL INSURANCE COMPANY | $389 | — | $389 | 15.23% |
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 | 408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 757 | $29K |
| Life insurance | STANDARD INSURANCE COMPANY | 401 | $154K |
| Long-term disability | STANDARD INSURANCE COMPANY | 378 | $93K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 335 | $762K |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 415 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 757 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.