| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENECON GROUP3 | UNKNOWN COLUMBIA, PA 17512 | UPMC HEALTH OPTIONS | $43K | $0 | $43K | 2.46% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 4507 NORTH FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $13K | $0 | $13K | 0.75% |
| THE BENECON GROUP3 | 147 WEST AIRPORT ROAD LITITZ, PA 17543 | UPMC HEALTH OPTIONS | $108 | $0 | $108 | 0.01% |
| THE BENECON GROUP3 | 147 WEST AIRPORT ROAD LITITZ, PA 17543 | UPMC HEALTH BENEFITS | $5K | $0 | $5K | 7.05% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 4507 NORTH FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $2K | $0 | $2K | 2.40% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT AND DAVIES INC | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 17601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 7.42% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 3.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 2.20% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 198 | $1.8M |
| Dental | UPMC HEALTH OPTIONS | 175 | $1.8M |
| Vision | UPMC HEALTH BENEFITS | 198 | $71K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 181 | $56K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 181 | $56K |
| Prescription drug(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 198 | $1.8M |
| Other(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 181 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.