| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | UPMC HEALTH OPTIONS | $37K | — | $37K | 2.97% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 726 EXCHANGE STREET SUITE 900 BUFFALO, NE 14210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.20% |
| KEY INSURANCE & BENEFIT SERVICES3 | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | UPMC HEALTH BENEFITS | $2K | — | $2K | 8.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $678 | $24 | $702 | 3.54% |
| KATI NAIRN3 | 114 JAMES DRIVE BEAVER, PA 15009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $374 | $43 | $417 | 2.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $279 | $7 | $286 | 1.44% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | $15 | $237 | 1.20% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 0.87% |
| ARICK MARTIN3 | 427 S MEADOWCROFT AVENUE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.25% |
| 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 | $409 | — | $409 | 2.90% |
| KEY INSURANCE & BENEFIT SERVICES3 | 11 STANWIX STREET SUITE 100 PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $41 | — | $41 | 9.26% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UPMC HEALTH OPTIONS | 276 | $1.2M |
| Vision(2 contracts) | UPMC HEALTH BENEFITS | 280 | $25K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $104K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $104K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
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.