| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 404 LIBERTY AVE. 4 GATEWAY CENTER, SUITE 505 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $23K | — | $23K | 2.83% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $31K | $5K | $35K | 5.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 100 MATSONFORD ROAD BUILDING 5, SUITE 200 WAYNE, PA 19087 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 13.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SERVICES W | 801 S FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 100 W MATSONFORD RD BUILDING 5, SUITE 200 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $31 | $4K | 9.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY ST FL 6 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | — | $505 | $505 | 1.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 100 MATSONFORD RD BLDG 5, STE 200 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 404 LIBERTY AVE. 4 GATEWAY CENTER, SUITE 505 PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $4K | — | $4K | 9.46% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $662 | $2K | $3K | 19.34% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 134 | $1.5M |
| Dental(3 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 217 | $885K |
| Vision(3 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 134 | $855K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 231 | $91K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 231 | $91K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 115 | $617K |
| Other | HARTFORD LIFE AND ACCIDENT | 231 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.