| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NIAGARA RISK MANAGEMENT3 | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | UPMC HEALTH OPTIONS | $42K | — | $42K | 3.15% |
| FIRST NIAGARA RISK MANAGEMENT3 | 726 EXCHANGE STREET SUITE 900 BUFFALO, NE 14210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 11.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $548 | $8 | $556 | 2.88% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $353 | — | $353 | 1.83% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | $14 | $193 | 1.00% |
| KATI NAIRN3 | 103 ERICSON CIRCLE BEAVER, PA 15009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | $2 | $179 | 0.93% |
| ARICK MARTIN3 | 427 S MEADOWCROFT AVENUE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | $12 | $151 | 0.78% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| FIRST NIAGARA RISK MANAGEMENT3 | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | UPMC HEALTH BENEFITS | $544 | — | $544 | 4.34% |
| FIRST NIAGARA RISK MANAGEMENT3 | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | UPMC HEALTH OPTIONS | $154 | — | $154 | 4.61% |
| FIRST NIAGARA RISK MANAGEMENT3 | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | UPMC HEALTH BENEFITS | $2 | — | $2 | 5.71% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UPMC HEALTH OPTIONS | 267 | $1.3M |
| Vision(2 contracts) | UPMC HEALTH BENEFITS | 263 | $13K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $97K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $97K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
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.