| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY FINANCIAL SERVICES3 | 1910 COCHRAN ROAD MANOR OAK TWO, SUITE 800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $57K | — | $57K | 2.74% |
| DANIEL DESTEFANO3 Filed as: DANIEL S DESTEFANO JR | 128 GOLF VIEW DRIVE MCMURRAY, PA 15317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 9.70% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN BOULEVARD SUITE 800 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $668 | — | $668 | 3.74% |
| DANIEL DESTEFANO3 | 128 GOLF VIEW DRIVE MCMURRAY, PA 15317 | SUN LIFE HEALTH INSURANCE COMPANY (US) | $666 | — | $666 | 9.70% |
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 | 293 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 442 | $2.1M |
| Dental | SUN LIFE HEALTH INSURANCE COMPANY (US) | 190 | $7K |
| Vision | UPMC HEALTH BENEFITS | 442 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 358 | $94K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 358 | $94K |
| Prescription drug | UPMC HEALTH OPTIONS | 442 | $2.1M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 358 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.