| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LTC INSURANCE SERVICES LLC3 | 20 DONATI RD SUITE 300 PITTSBURGH, PA 152411000 | ADVANTICA ADMINISTRATIVE SERVICES | $19K | — | $19K | 10.00% |
| LTC INSURANCE SERVICES LLC3 | 20 DONATI RD STE 300 PITTSBURGH, PA 15241 | SYMETRA LIFE INSURANCE COMPANY | $16K | — | $16K | 9.53% |
| LTC INSURANCE SERVICES LLC3 | 20 DONATI ROAD SUITE 300 PITTSBURGH, PA 15241 | ADVANTICA REINSURANCE COMPANY | $2K | — | $2K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LTC INSURANCE SERVICES LLC NONE | Insurance brokerage commissions and fees Service code 53 | 20 DONATI ROAD PITTSBURGH, PA 15241 | $55K |
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 | 791 | 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) | 791 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 27 | $274K |
| Dental | ADVANTICA ADMINISTRATIVE SERVICES | 555 | $186K |
| Vision | ADVANTICA REINSURANCE COMPANY | 486 | $40K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 791 | $169K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 791 | $169K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 791 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 791 | — |
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."
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.