| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY FINANCIAL SERVICES3 | 1910 COCHRAN ROAD MANOR OAK TWO, SUITE 800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $99K | — | $99K | 1.99% |
| LIBERTY FINANCIAL SERVICES3 Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN ROAD MANOR OAK TWO, SUITE 800 PITTSBURGH, PA 15220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 10.74% |
| LIBERTY FINANCIAL SERVICES3 Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN ROAD MANOR OAK TWO, SUITE 800 PITTSBURGH, PA 15220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.79% |
| LIBERTY FINANCIAL SERVICES3 | 1910 COCHRAN ROAD MANOR OAK TWO, SUITE 800 PITTSBURGH, PA 15220 | HIGHMARK, INC. | $1K | — | $1K | 2.30% |
| DESTEFANO, DANIEL S3 | 128 GOLFVIEW DRIVE MCMURRAY, PA 15317 | HIGHMARK, INC. | $1K | — | $1K | 2.01% |
| LIBERTY FINANCIAL SERVICES3 Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN ROAD MANOR OAK TWO, SUITE 800 PITTSBURGH, PA 15220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.76% |
| LIBERTY FINANCIAL SERVICES3 | 1910 COCHRAN RD SUITE 800 PITTSBURGH, PA 15220 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $44 | — | $44 | 10.05% |
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 | 545 | 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) | 545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 947 | $5.0M |
| Vision | HIGHMARK, INC. | 943 | $64K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 684 | $141K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 1 | $438 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 545 | $78K |
| Prescription drug | UPMC HEALTH OPTIONS | 947 | $5.0M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 684 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 947 | — |
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.