| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: SAGEWELL PARTNERS - ALLIANT | 1501 REEDSDALE STREET, SUITE 403 PITTSBURGH, PA 15233 | UPMC HEALTH OPTIONS | $45K | — | $45K | 1.65% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1501 REEDSDALE STREET, SUITE 403 PITTSBURGH, PA 15233 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $5K | $16K | 13.97% |
| SAGEWELL PARTNERS INC3 Filed as: SAGEWELL PARTNERS, INC. | 1501 REEDSDALE STREET, SUITE 403 PITTSBURGH, PA 15233 | HIGHMARK, INC. | $2K | — | $2K | 4.02% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | FEDERAL INSURANCE COMPANY | $0 | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 NONE | Claims processing Service code 12 | ONE SUN LIFE EXECUTIVE PARK WELLESLEY HILLS, MA 02481 | $8K |
| SAGEWELL PARTNERS / ALLIANT EIN 33-0785439 NONE | Insurance agents and brokers Service code 22 | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | $460 |
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 | 324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 640 | $2.7M |
| Vision | HIGHMARK, INC. | 285 | $43K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 324 | $112K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 324 | $112K |
| Prescription drug | UPMC HEALTH OPTIONS | 640 | $2.7M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 324 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.