| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVEVIC BENEFIT CONSULTANTS, INC.3 Filed as: DAVEVIC BENEFIT CONSULTANTS | 902 SOUTH CENTER ST., P.O. BOX 976 GROVE CITY, PA 16127 | UPMC HEALTH OPTIONS | $51K | — | $51K | 3.71% |
| DAVEVIC BENEFIT CONSULTANTS, INC.3 Filed as: DAVEVIC BENEFIT CONSULTANTS | 902 SOUTH CENTER ST., P.O. BOX 976 GROVE CITY, PA 16127 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $3K | $5K | 8.18% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SVCS INC. | 301 GRANT STREET SUITE 300 PITTSBURGH, PA 15219 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.09% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SVCS INC. | 301 GRANT STREET SUITE 300 PITTSBURGH, PA 15219 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.80% |
| DAVEVIC BENEFIT CONSULTANTS, INC.3 Filed as: DAVEVIC BENEFIT CONSULTANTS | 902 SOUTH CENTER ST., P.O. BOX 976 GROVE CITY, PA 16127 | HIGHMARK, INC. | $333 | — | $333 | 3.44% |
| DAVEVIC BENEFIT CONSULTANTS, INC.3 Filed as: DAVEVIC BENEFIT CONSULTANTS | PO BOX 976 GROVE CITY, PA 16127 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $670 | — | $670 | 15.01% |
| DAVEVIC BENEFIT CONSULTANTS, INC.3 Filed as: DAVEVIC BENEFIT CONSULTANTS | PO BOX 976 GROVE CITY, PA 16127 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $327 | — | $327 | 12.56% |
| DAVEVIC BENEFIT CONSULTANTS, INC.3 Filed as: DAVEVIC BENEFIT CONSULTANTS | PO BOX 976 GROVE CITY, PA 16127 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $249 | — | $249 | 13.04% |
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 | 125 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 385 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $63K |
| Vision | HIGHMARK, INC. | 145 | $10K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 179 | $67K |
| Short-term disability(3 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 178 | $68K |
| Long-term disability(3 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 156 | $70K |
| Other(3 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 179 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.