| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMPSON MCCRADY BENEFITS LLC3 | 310-330 GRANT STREET, SUITE 1320 PITTSBURGH, PA 15219 | UPMC HEALTH OPTIONS | $35K | — | $35K | 1.96% |
| SIMPSON MCCRADY BENEFITS LLC3 | 310-330 GRANT STREET, SUITE 1320 PITTSBURGH, PA 15219 | UPMC HEALTH OPTIONS | $5K | — | $5K | 1.57% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET PITTSBURGH, PA 15219 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| ISM INSURANCE INC3 Filed as: ISM INSURANCE, INC. | 1316 N. UNION STREET WILMINGTON, DE 19806 | UNION SECURITY INSURANCE COMPANY | $15K | — | $15K | 22.00% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET PITTSBURGH, PA 15219 | HIGHMARK, INC. | $3K | — | $3K | 13.76% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 356 | $2.6M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 474 | $134K |
| Vision | HIGHMARK, INC. | 483 | $23K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 200 | $69K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 200 | $69K |
| Prescription drug(3 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 356 | $2.6M |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 200 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.