| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | UPMC HEALTH OPTIONS | $36K | — | $36K | 3.00% |
| KEY INSURANCE & BENEFIT SERVICES3 | 726 EXCHANGE STREET SUITE 900 BUFFALO, NE 14210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 11.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $629 | $11 | $640 | 3.29% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $395 | $1 | $396 | 2.03% |
| KATI NAIRN3 | 103 ERICSON CIRCLE BEAVER, PA 15009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $212 | $3 | $215 | 1.10% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | $3 | $193 | 0.99% |
| ARICK MARTIN3 | 427 S MEADOWCROFT AVENUE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $1 | $62 | 0.32% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| KEY INSURANCE & BENEFIT SERVICES3 | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | UPMC HEALTH OPTIONS | $280 | — | $280 | 2.75% |
| KEY INSURANCE & BENEFIT SERVICES3 | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | UPMC HEALTH BENEFITS | $360 | — | $360 | 382.98% |
| KEY INSURANCE & BENEFIT SERVICES3 | 11 STANWIX STREET SUITE 100 PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $3 | — | $3 | 3.19% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UPMC HEALTH OPTIONS | 277 | $1.2M |
| Vision(2 contracts) | UPMC HEALTH BENEFITS | 4 | $188 |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $108K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $108K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.
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.