| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UPMC HEALTH PLAN3 | US STEEL TOWER / 600 GRANT ST. PITTSBURGH, PA 15219 | UPMC HEALTH NETWORK, INC. | — | — | $0 | 0.00% |
| JAMES BUCKLEY/DELAWARE HEALTH CARE1 | 2950 SOUTHAMPTON ROAD PHILADELPHIA, PA 19154 | DELTA DENTAL OF PENNSYLVANIA | — | — | $0 | 0.00% |
| COMMERCIAL GRP INTERMEDIARIES, INC.5 Filed as: COMMERCIAL GRP INTERMEDIARIES | 16 EXECUTIVE COURT SUITE 4 SOUTH BARRINGTON, IL 60010 | AMALGAMATED LIFE INSURANCE | — | — | $0 | 0.00% |
| WASHINGTON STREET INSURANCE GROUP1 Filed as: WASHINGTON STREET INS. | 12318 CICERO AVENUE ALSIP, IL 60803 | AMALGAMATED LIFE INSURANCE | — | — | $0 | 0.00% |
| VISION SERVICE PLAN3 | P.O. BOX 742788 LOS ANGELES, CA 90074 | VSP VISION | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALBANESE SINCHAR SMITH & CO. EIN 46-1686881 NONE | Accounting (including auditing) Service code 10 | 12875 ROUTE 30 / SUITE 22 NORTH HUNTINGDON, PA 15642 | $18K |
| JUBLIRER, PASS & INTRIERI, P.C. EIN 25-1340700 NONE | Legal Service code 29 | 219 FORT PITT BLVD PITTSBURGH, PA 15222 | $15K |
| THE PHOENIX BENEFITS GROUP, INC. EIN 20-0294810 NONE | Actuarial Service code 11 | GBU BLDG STE 137 4232 BROWNSVILLERD PITTSBRUGH, PA 15227 | $5K |
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 | 358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH NETWORK, INC. | 375 | $4.6M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 330 | $114K |
| Vision | VSP VISION | 330 | $16K |
| Life insurance | AMALGAMATED LIFE INSURANCE | 337 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.