| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMS INSURANCE GROUP LLC3 Filed as: ARMS INSURANCE GROUP | 3000 LENTO BLVD BETHEL PARK, PA 15102 | UPMC HEALTH OPTIONS | $0 | — | $0 | 0.00% |
| ARMS INSURANCE GROUP LLC3 Filed as: ARMS INSURANCE GROUP | 3000 LENTO BLVD BETHEL PARK, PA 15102 | UPMC HEALTH BENEFITS | $13K | — | $13K | 9.99% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $25K | $682 | $25K | 23.56% |
| C H REAMS & ASSOCIATES INC3 Filed as: C.H. REAMS & ASSOCIATES INC | 401 CRANBERRY STREET, SUITE 100 ERIE, PA 16507 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $10K | — | $10K | 18.72% |
| GILBERT INSURANCE AGENCY INC3 Filed as: GILBERT'S INSURANCE AGCY INC | 30 E STATE ST SHARON, PA 16146 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 3.27% |
| BROKERS ALLIANCE OF OHIO DBA3 Filed as: BROKERS ALLIANCE OF OHIO INC/DCW GR | 4800 MARKET STREET BOARDMAN, OH 44512 | VISION BENEFITS OF AMERICA | $528 | — | $528 | 1.69% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $5K | $92 | $5K | 18.53% |
| C H REAMS & ASSOCIATES INC3 Filed as: C.H. REAMS & ASSOCIATES INC | 401 CRANBERRY STREET, SUITE 100 ERIE, PA 16507 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 23.42% |
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 | 396 | 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) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 698 | $2.7M |
| Dental | UPMC HEALTH BENEFITS | 523 | $127K |
| Vision | VISION BENEFITS OF AMERICA | 268 | $31K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 396 | $142K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 396 | $187K |
| Other(3 contracts, 2 carriers) | AFLAC | 396 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 698 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.