| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UPMC HEALTH PLAN3 | US STEEL TOWER 600 GRANT STREET PITTSBURGH, PA 15219 | UPMC HEALTH BENEFITS | $0 | $0 | $0 | 0.00% |
| DELAWARE VALLEY HEALTH CARE1 | 2950 SOUTHAMPTON ROAD PHILADELPHIA, PA 19154 | DELTA DENTAL OF PENNSYLVANIA | $505 | — | $505 | 0.50% |
| FOURM CONSULTING3 | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | DEARBORN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MICHAEL MINIOTAS3 | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | DEARBORN LIFE INSURANCE COMPANY | — | — | $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 PC EIN 25-1340770 NONE | Legal Service code 29 | 219 FORT PITT BOULEVARD PITTSBURGH, PA 152221576 | $13K |
| PHOENIX BENEFITS GROUP INC EIN 20-0294810 NONE | Actuarial Service code 11 | 259 CHALLEN DRIVE PITTSBURGH, PA 15236 | $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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH BENEFITS | 215 | $3.3M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 291 | $101K |
| Vision | UPMC HEALTH BENEFITS | 215 | $3.3M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 262 | $17K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 262 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.