| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT ST STE 1320 PITTSBURGH, PA 15219 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $30K | $30K | 3.09% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON MCCRADY | 330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | UPMC HEALTH BENEFITS | $3K | — | $3K | 8.54% |
| ISM INSURANCE INC3 Filed as: ISM INSURANCE, INC. | 1316 N UNION ST WILMINGTON, DE 19806 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 22.00% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON MCCRADY | 330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | UPMC HEALTH BENEFITS | $2K | — | $2K | 8.72% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON MCCRADY | 330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | UPMC HEALTH BENEFITS | $136 | — | $136 | 7.23% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT ST STE 1320 PITTSBURGH, PA 15219 | UPMC HEALTH BENEFITS | $28 | — | $28 | 19.05% |
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 | 175 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $983K |
| Dental(4 contracts) | UPMC HEALTH BENEFITS | 121 | $70K |
| Vision(4 contracts) | UPMC HEALTH BENEFITS | 121 | $70K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 139 | $29K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 139 | $29K |
| Other | UNION SECURITY INSURANCE COMPANY | 139 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.