| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6 PPG PLACE SUITE 200 PITTSBURGH, PA 152225425 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $17K | $19K | 2.93% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD SUITE 1200 HUNT VALLEY, MD 210659998 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $129 | $129 | 0.02% |
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $414 | $6K | 12.88% |
| USI INSURANCE SERVICES LLC3 | 6 PPG PLACE,#200 PITTSBURGH, PA 15222 | DELTA DENTAL OF PENNSYLVANIA | $1K | — | $1K | 3.00% |
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $107 | $2K | 19.02% |
| THREE RIVERS FIN. SERVICES, INC.3 | 125 HILLVUE LANE PITTSBURGH, PA 152375341 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| FIRST NIAGARA RISK MANAGEMENT3 | 125 HILLVUE LANE PITTSBURGH, PA 15237 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 14.28% |
| USI INSURANCE SERVICES LLC3 | 125 HILLVUE LANE PITTSBURGH, PA 15237 | FIDELITY SECURITY LIFE INSURANCE | $1K | — | $1K | 15.00% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $648K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 161 | $46K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $58K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $46K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $648K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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."
No prospect flags tripped on this filing.