| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS INSURANCE | 600 GRANT STREET PITTSBURGH, PA 15219 | UPMC HEALTH BENEFITS | $43K | — | $43K | 3.03% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INSURANCE ADMINISTRATO | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | GUARDIAN | $10K | — | $10K | 10.71% |
| BENEFIT DESIGN SPECIALISTS, INC.3 | 1 KACEY COURT, SUITE 100 MECHANICSBURG, PA 17055 | DELTA DENTAL OF PENNSYLVANIA | $1K | — | $1K | 2.51% |
| AMERICAN INSURANCE ADMINISTRATORS3 Filed as: AMERICAN INSURANCE ADMINISTRATORS, | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | DELTA DENTAL OF PENNSYLVANIA | $259 | — | $259 | 0.49% |
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 | 227 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH BENEFITS | 227 | $1.4M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 102 | $53K |
| Life insurance | GUARDIAN | 108 | $95K |
| Long-term disability | GUARDIAN | 108 | $95K |
| Prescription drug | UPMC HEALTH BENEFITS | 227 | $1.4M |
| Other | GUARDIAN | 108 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.