| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. DBA ARMS INS | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $41K | $0 | $41K | 2.45% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UPMC HEALTH OPTIONS | $9K | $0 | $9K | 0.51% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INSURANCE ADMIN | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 7.86% |
| BENEFITSDNA LLC3 Filed as: BENEFITSDNA, LLC | 20 BRIARCREST SQ, SUITE 205 HERSHEY, PA 17033 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 2.71% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | DELTA DENTAL OF PENNSYLVANIA | $1K | $0 | $1K | 1.97% |
| BENEFITSDNA LLC3 Filed as: BENEFITSDNA, LLC | 20 BRIARCREST SQ, SUITE 205 HERSHEY, PA 17033 | DELTA DENTAL OF PENNSYLVANIA | $559 | $0 | $559 | 1.03% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. DBA ARMS INS | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $399 | $0 | $399 | 2.95% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UPMC HEALTH BENEFITS | $140 | $0 | $140 | 1.03% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 257 | $1.7M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 294 | $54K |
| Vision(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 257 | $1.7M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 140 | $96K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 140 | $96K |
| Prescription drug(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 257 | $1.7M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 140 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.