| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: SAGEWELL PARTNERS, INC / ALLIANT | 1501 REEDSDALE ST SUITE 3005 PITTSBURGH, PA 15233 | UPMC HEALTH OPTIONS | $55K | — | $55K | 1.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1501 REEDSDALE STREET SUITE 3005 PITTSBURGH, PA 15233 | HIGHMARK | $17K | — | $17K | 0.84% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $3K | $6K | 1.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO INC | THREE GATEWAY CENTER, SUITE 1600 401 LIBERTY AVE PITTSBURGH, PA 15222 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 6.42% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1501 REEDSDALE STREET SUITE 3005 PITTSBURGH, PA 15233 | HIGHMARK | $569 | — | $569 | 1.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1501 REEDSDALE STREET SUITE 3005 PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $992 | $881 | $2K | 4.25% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/SAGEWELL PARTNERS INC | 1501 REEDSDALE STREET SUITE 3005 PITTSBURGH, PA 15233 | HIGHMARK | $136 | — | $136 | 0.76% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AON COMPANY | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $196 | $101 | $297 | 1.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $271 | — | $271 | 1.55% |
| FIRST COMMONWEALTH INSURANCE AGENCY3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 0.75% |
| DAVEVIC BENEFIT CONSULTANTS, INC.3 Filed as: DAVEVIC BENEFIT CONSULTANTS INC | PO BOX 976 GROVE CITY, PA 16127 | NATIONWIDE LIFE INSURNACE COMPANY | $1K | — | $1K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVE OF AMERICAS NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 25.01% |
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 | 2,000 | 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) | 2,010 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 839 | $7.5M |
| Dental(2 contracts) | UNITED CONCORDIA INSURANCE COMPANY | 1,166 | $369K |
| Vision(3 contracts) | HIGHMARK | 977 | $2.0M |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,091 | $72K |
| Short-term disability | NATIONWIDE LIFE INSURNACE COMPANY | 80 | $11K |
| Prescription drug(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 839 | $7.5M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,000 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,000 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.