| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMS INSURANCE GROUP LLC3 Filed as: ARMS INSURANCE GROUP, LLC | 3000 LENTO BLVD. BETHEL PARK, PA 15102 | GUARDIAN | $11K | $6K | $17K | 10.12% |
| NATIONAL INSURANCE MARKETS INC3 Filed as: NATIONAL INSURANCE MARKETS, INC. | 915 SAXONBURG BLVD, SUITE 217 PITTSBURGH, PA 15223 | GUARDIAN | $9K | — | $9K | 5.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA, LP | 125 E. ELM STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | FSL NVA VISION | $1K | — | $1K | 5.00% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 190 | $1.5M |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 199 | $146K |
| Vision | FSL NVA VISION | 179 | $24K |
| Life insurance | GUARDIAN | 251 | $168K |
| Short-term disability | GUARDIAN | 251 | $168K |
| Long-term disability | GUARDIAN | 251 | $168K |
| Prescription drug | HIGHMARK | 190 | $1.5M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 190 | $265K |
| Other | GUARDIAN | 251 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.