| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INSURANCE AGENCY | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $26K | — | $26K | 2.94% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 152223602 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 8.99% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INSURANCE AGENCY | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $322 | — | $322 | 3.52% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FT DUQUESNE BLVD PITTSBURGH, PA 15222 | EYEMED VISION CARE | $347 | — | $347 | 3.96% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE DLVD PITTSBURGH, PA 152223602 | METROPOLITAN LIFE INSURANCE COMPANY | $102 | $679 | $781 | — |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UPMC HEALTH OPTIONS | 246 | $908K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $101K |
| Vision | EYEMED VISION CARE | 187 | $9K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $101K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $101K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.