| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMS INSURANCE GROUP LLC Filed as: ARMS INSURANCE GROUP | 3000 LENTO BLVD BETHEL PARK, PA 15102 | UPMC HEALTH OPTIONS | — | — | $0 | 0.00% |
| ARMS INSURANCE GROUP LLC Filed as: ARMS INSURANCE GROUP | 3000 LENTO BLVD BETHEL PARK, PA 15102 | UPMC HEALTH OPTIONS | — | — | $0 | 0.00% |
| ARMS INSURANCE GROUP LLC3 Filed as: ARMS INSURANCE GROUP | 3000 LENTO BLVD BETHEL PARK, PA 15102 | GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| GILBERT INSURANCE AGENCY INC3 Filed as: GILBERT'S INSURANCE AGCY INC | 30 E STATE ST SHARON, PA 16146 | GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.33% |
| ARMS INSURANCE GROUP LLC Filed as: ARMS INSURANCE GROUP | 3000 LENTO BLVD BETHEL PARK, PA 15102 | UPMC HEALTH OPTIONS | — | — | $0 | 0.00% |
| C H REAMS & ASSOCIATES INC3 Filed as: CH REAMS & ASSOC | 401 CRANBERRY ST ERIE, PA 16507 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | — | $4K | 7.94% |
| GILBERT INSURANCE AGENCY INC3 Filed as: GILBERT'S INSURANCE AGCY INC | 30 E STATE ST SHARON, PA 16146 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 5.00% |
| ARMS INSURANCE GROUP LLC Filed as: ARMS INSURANCE GROUP | 3000 LENTO BLVD BETHEL PARK, PA 15102 | UPMC HEALTH OPTIONS | — | — | $0 | 0.00% |
| ARMS INSURANCE GROUP LLC Filed as: ARMS INSURANCE GROUP | 3000 LENTO BLVD BETHEL PARK, PA 15102 | UPMC HEALTH OPTIONS | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GILBERT'S RISK SOLUTIONS EIN 25-0943703 | Consulting (general) Service code 16 | 30 E STATE STREET POB 688 SHARON, PA 16146 | $0 |
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 | 658 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 658 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 233 | $109K |
| Vision | VISION BENEFITS OF AMERICA | 232 | $27K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 342 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.