| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C B TRACY & ASSOCIATES DBA TRACYCO3 Filed as: C B TRACY & ASSOCIATES INC | 506 PELLIS ROAD GREENSURG, PA 15601 | UPMC HEALTH OPTIONS | $52K | — | $52K | 2.76% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 Filed as: C B TRACY & ASSOCIATES INC | 506 PELLIS ROAD GREENSURG, PA 15601 | UPMC HEALTH OPTIONS | $14K | — | $14K | 2.57% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 Filed as: C B TRACY & ASSOCIATES INC | 506 PELLIS ROAD GREENSURG, PA 15601 | UPMC HEALTH BENEFITS | $13K | — | $13K | 9.35% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 Filed as: C B TRACY & ASSOCIATES INC | 506 PELLIS ROAD GREENSURG, PA 15601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 4.98% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 Filed as: C B TRACY & ASSOCIATES INC | 506 PELLIS ROAD GREENSURG, PA 15601 | UPMC HEALTH BENEFITS | $1K | — | $1K | 9.45% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 75 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UPMC HEALTH OPTIONS | 316 | $2.4M |
| Dental(2 contracts) | UPMC HEALTH BENEFITS | 324 | $154K |
| Vision(2 contracts) | UPMC HEALTH BENEFITS | 324 | $154K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 211 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.