| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UPMC HEALTH PLAN3 | US STEEL TOWER 600 GRANT STREET PITTSBURGH, PA 15219 | UPMC HEALTH NETWORK | $0 | $0 | $0 | 0.00% |
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING | 101 BRADFORD RD STE 100 WEXFORD, PA 15090 | HIGHMARK INC | $0 | $0 | $0 | 0.00% |
| JAMES BUCKLEY/DELAWARE HEALTH CARE1 | 2950 SOUTHAMPTON ROAD PHILADELPHIA, PA 19154 | DELTA DENTAL OF PENNSYLVANIA | $0 | $0 | $0 | 0.00% |
| UPMC HEALTH PLAN3 | US STEEL TOWER 600 GRANT STREET PITTSBURGH, PA 15219 | UPMC HEALTH NETWORK | $0 | $0 | $0 | 0.00% |
| FOURM CONSULTING3 Filed as: FOURM CONSULTING INC | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | FORT DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MICHAEL MINIOTAS3 | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | FORT DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $0 | $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 | $19K |
| JUBELIRER, PASS & INTRIERI, P.C. EIN 25-1340770 NONE | Legal Service code 29 | 219 FORT PITT BLVD PITTSBURGH, PA 15222 | $13K |
| PHOENIX BENEFITS GROUP INC EIN 20-0294810 NONE | Actuarial Service code 11 | 259 CHALLEN DRIVE PITTSBURGH, PA 15236 | $7K |
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 | 387 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH NETWORK | 267 | $5.0M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 297 | $99K |
| Vision | UPMC HEALTH NETWORK | 296 | $18K |
| Life insurance | FORT DEARBORN NATIONAL LIFE INSURANCE COMPANY | 263 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.