| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON MCCRADY | 310-330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | UPMC HEALTH OPTIONS | $16K | — | $16K | 1.85% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON MCCRADY | 310-330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | UPMC HEALTH OPTIONS | $5K | — | $5K | 1.84% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON MCCRADY | 310-330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | UPMC HEALTH BENEFITS | — | $6K | $6K | 15.77% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON MCCRADY | 310-330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | UPMC HEALTH BENEFITS | $8K | — | $8K | 24.93% |
| ISM INSURANCE INC3 Filed as: ISM INSURANCE, INC. | 1316 N UNION ST WILMINGTON, DE 19806 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 22.00% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON MCCRADY | 310-330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | UPMC HEALTH OPTIONS | $183 | — | $183 | 2.01% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON MCCRADY | 310-330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | UPMC HEALTH BENEFITS | $126 | — | $126 | 21.50% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON MCCRADY | 310-330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | UPMC HEALTH BENEFITS | — | — | $0 | 0.00% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON MCCRADY | 310-330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | UPMC HEALTH OPTIONS | $0 | — | $0 | — |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | UPMC HEALTH OPTIONS | 139 | $1.1M |
| Dental(4 contracts) | UPMC HEALTH BENEFITS | 112 | $71K |
| Vision(4 contracts) | UPMC HEALTH BENEFITS | 112 | $71K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 139 | $31K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 139 | $31K |
| Other | UNION SECURITY INSURANCE COMPANY | 139 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.