| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY INSURANCE SERVICES3 | UNKNOWN GREENBURG, PA 15601 | UPMC HEALTH OPTIONS | $52K | $0 | $52K | 1.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVENUE, SUITE 805 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $10K | $0 | $10K | 0.30% |
| DANIEL DESTEFANO3 Filed as: DANIEL S. DESTEFANO JR. | 128 GOLF VIEW DRIVE MCMURRAY, PA 15317 | STANDARD INSURANCE COMPANY | $16K | $0 | $16K | 9.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVENUE, SUITE 805 PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 2.76% |
| LIBERTY FINANCIAL SERVICES3 | 1910 COCHRAN ROAD, SUITE 800 PITTSBURGH, PA 15220 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 1.47% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 6.75% |
| LIBERTY FINANCIAL SERVICES3 Filed as: LIBERTY FINANCIAL SERVICES INC. | 1910 COCHRAN ROAD, SUITE 800 PITTSBURGH, PA 15220 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $363 | $322 | $685 | 0.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| LIBERTY FINANCIAL SERVICES3 Filed as: LIBERTY FINANCIAL SERVICES INC. | 1910 COCHRAN ROAD PITTSBURGH, PA 15220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 17.74% |
| TAMMY A MORGART3 Filed as: TAMMY A. MORGART | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $188 | $5K | 11.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J. SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $877 | $5K | 10.51% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $516 | $3K | 6.04% |
| KATI NAIRN3 | 114 JAMES DRIVE BEAVER, PA 15009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $34 | $2K | 4.13% |
| MJ INSURANCE3 Filed as: BARBAR B. DEJOHN AND VARIOUS AGENTS | 1154 TIDEWOOD DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $708 | $120 | $828 | 1.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVENUE PITTSBURGH, PA 15222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $0 | $76 | 0.17% |
| DAN DESTEFANO3 | 12 GOLF VIEW DRIVE MCMURRAY, PA 15317 | VISION BENEFITS OF AMERICA | $748 | $0 | $748 | 3.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVENUE, SUITE 805 PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $238 | $0 | $238 | 1.15% |
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 | 253 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 446 | $3.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 631 | $135K |
| Vision | VISION BENEFITS OF AMERICA | 268 | $21K |
| Life insurance | STANDARD INSURANCE COMPANY | 254 | $177K |
| Short-term disability | STANDARD INSURANCE COMPANY | 254 | $177K |
| Long-term disability | STANDARD INSURANCE COMPANY | 254 | $177K |
| Prescription drug | UPMC HEALTH OPTIONS | 446 | $3.2M |
| Other(3 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 446 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 631 | — |
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.