| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NATIONAL INSURANCE AGENCY3 | 12 FEDERAL STREET, SUITE 405 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $57K | $0 | $57K | 3.48% |
| FIRST NATIONAL INSURANCE AGENCY3 | 12 FEDERAL STREET, SUITE 405 PITTSBURGH, PA 15212 | UPMC HEALTH BENEFITS | $8K | $0 | $8K | 7.66% |
| FIRST NATIONAL INSURANCE AGENCY3 | 100 FEDERAL STREET PITTSBURGH, PA 15212 | HARTFORD LIFE AND ACCIDENT | $9K | $0 | $9K | 9.00% |
| FIRST NATIONAL INSURANCE AGENCY3 | 12 FEDERAL STREET, SUITE 405 PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $447 | $0 | $447 | 2.56% |
| DENISE NORENE BENKO3 | 9807 BRAEWICK DRIVE ALLISON PARK, PA 15101 | AFLAC | $930 | $19 | $949 | 5.63% |
| DAVID CLARK3 | 510 FAIR VISTA COURT WEXFORD, PA 15090 | AFLAC | $689 | $0 | $689 | 4.09% |
| MJ INSURANCE3 Filed as: ROBERT STINE AND VARIOUS AGENTS | 19 AMY LYNE DRIVE SMITHFIELD, PA 15478 | AFLAC | $348 | $15 | $363 | 2.15% |
| MICHAEL J KELLY3 Filed as: MICHAEL J. KELLY | 314 OAKMONT DRIVE PITTSBURGH, PA 15235 | AFLAC | $300 | $42 | $342 | 2.03% |
| JAMES DANIEL CRAWLEY3 | 2316 MCNARY BOULEVARD PITTSBURGH, PA 15235 | AFLAC | $271 | $0 | $271 | 1.61% |
| AMANDA C LONG3 Filed as: AMANDA C. LONG | 107 HIDDEN OAK DRIVE MARS, PA 16046 | AFLAC | $145 | $4 | $149 | 0.88% |
| ETHAN ROBERT RIFFE3 | 5500 BROOKTREE ROAD, SUITE 102 WEXFORD, PA 15090 | AFLAC | $85 | $0 | $85 | 0.50% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 300 | $1.6M |
| Dental | UPMC HEALTH BENEFITS | 324 | $104K |
| Vision | VISION BENEFITS OF AMERICA | 158 | $17K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 168 | $114K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 168 | $114K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 168 | $98K |
| Prescription drug | UPMC HEALTH OPTIONS | 300 | $1.6M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 168 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.