| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $9K | — | $9K | 1.26% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $4K | — | $4K | 1.27% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $2K | — | $2K | 1.24% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $2K | — | $2K | 1.29% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $4K | — | $4K | 4.21% |
| TIMOTHY J REED3 Filed as: TIMOTHY R FULMER | 4142 DICKEY RD GIBSONIA, PA 15044 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.28% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $247 | — | $247 | 1.24% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $817 | — | $817 | 9.47% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $852 | — | $852 | 10.15% |
| TIMOTHY J REED3 Filed as: TIMOTHY R FULMER | 4142 DICKEY RD GIBSONIA, PA 15044 | STANDARD INSURANCE COMPANY | $836 | — | $836 | 11.36% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $74 | — | $74 | 1.50% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $476 | — | $476 | 10.23% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $22 | — | $22 | 0.75% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $32 | — | $32 | 4.55% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $27 | — | $27 | 6.57% |
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 | 116 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 109 | $1.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $63K |
| Short-term disability | STANDARD INSURANCE COMPANY | 90 | $44K |
| Long-term disability | STANDARD INSURANCE COMPANY | 31 | $7K |
| Prescription drug(13 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 109 | $1.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.