| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 152223602 | HM LIFE INSURANCE COMPANY | $139K | — | $139K | 10.00% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.44% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLGIES INC | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 1.37% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 152223602 | RELIASTAR LIFE INSURANCE COMPANY | $57K | — | $57K | 67.98% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606044500 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 9.62% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLGIES INC | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $743 | $743 | 1.38% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS, INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 152223620 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS.CO. | $1K | — | $1K | 4.96% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 16.15% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS, INC | 920 FORT DUQUESNE BLVD PITTBURGH, PA 152223620 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS.CO. | $38 | — | $38 | 5.35% |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS.CO. | 831 | $30K |
| Life insurance | STANDARD INSURANCE COMPANY | 471 | $123K |
| Long-term disability | STANDARD INSURANCE COMPANY | 452 | $54K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 380 | $1.4M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 452 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 831 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.