| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | ONE PPG PLACE SUITE 600 PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 1.87% |
| RICHARD F BIBOROSCH3 | 20 NO WATERLOO RD DEVON, PA 19333 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 12.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | PO BOX 32090 NEW YORK, NY 10087 | VISION SERVICE PLAN | $2K | — | $2K | 3.03% |
| RICHARD F BIBOROSCH3 | 20 NO WATERLOO RD DEVON, PA 19333 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 8.92% |
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 | 816 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 840 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 0 | $179K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $539K |
| Vision | VISION SERVICE PLAN | 491 | $72K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,321 | $165K |
| Long-term disability | STANDARD INSURANCE COMPANY | 771 | $59K |
| Other | STANDARD INSURANCE COMPANY | 1,321 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,321 | — |
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."
No prospect flags tripped on this filing.