| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $20K | — | $20K | 1.84% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $5K | — | $5K | 1.84% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 152223602 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 9.25% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $304 | — | $304 | 1.90% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $612 | — | $612 | 6.92% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $130 | — | $130 | 1.89% |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | UPMC HEALTH OPTIONS | 295 | $1.4M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 400 | $93K |
| Vision | VISION BENEFITS OF AMERICA | 247 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 454 | $71K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 454 | $71K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 454 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.