| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 WEST 6TH STREET ERIE, PA 16507 | UPMC | $54K | — | $54K | 3.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HDH GROUP DBA HUB INTERNATIONAL | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 13.80% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $987 | — | $987 | 5.00% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.91% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $934 | — | $934 | 5.00% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC | 241 | $1.7M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 157 | $19K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 122 | $20K |
| Prescription drug | UPMC | 241 | $1.7M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 157 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.