| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER, INC. | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | UPMC HEALTH OPTIONS | $24K | — | $24K | 2.76% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER, INC. | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | UPMC HEALTH OPTIONS | $5K | — | $5K | 2.75% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER, INC. | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | UPMC HEALTH OPTIONS | $5K | — | $5K | 2.77% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER, INC. | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $511 | $12K | 14.37% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH LLC | 224 BLVD OF THE ALLIES 6TH FLOOR PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $514 | — | $514 | 0.61% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH LLC | 224 BLVD OF THE ALLIES 6TH FLOOR PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $72 | — | $72 | 0.09% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER, INC. | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | HIGHMARK, INC. | $276 | — | $276 | 2.31% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER, INC. | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | LINCOLN FINANCIAL GROUP | $397 | — | $397 | 14.99% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER, INC. | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | LINCOLN FINANCIAL GROUP | $276 | — | $276 | 11.99% |
| EXPRESS LINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD STE 103 CLEVELAND, OH 44131 | LINCOLN FINANCIAL GROUP | — | $115 | $115 | 5.00% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER, INC. | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | LINCOLN FINANCIAL GROUP | $237 | — | $237 | 12.00% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER, INC. | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | FEDERAL INSURANCE COMPANY | $178 | $48 | $226 | 19.02% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER, INC. | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | LINCOLN FINANCIAL GROUP | $157 | — | $157 | 14.97% |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UPMC HEALTH OPTIONS | 175 | $1.2M |
| Vision | HIGHMARK, INC. | 234 | $12K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $86K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $86K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $87K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.