| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVENUE SUITE 805 PITTSBURGH, PA 15222 | DELTA DENTAL OF PENNSYLVANIA | $14K | — | $14K | 3.53% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD STE 120 PITTSBURGH, PA 15241 | DELTA DENTAL OF PENNSYLVANIA | $10K | — | $10K | 2.47% |
| EMPLOYER OPTIONS LLC3 | PO BOX 208 AMBRIDGE, PA 15003 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 0.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE STE 805 PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $5K | $12K | $18K | 5.04% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 | STANDARD INSURANCE COMPANY | $252 | — | $252 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE. STE 805 PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $5K | $3K | $7K | 6.33% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 | STANDARD INSURANCE COMPANY | $144 | — | $144 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE STE 805 PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $13K | $5K | $18K | 28.04% |
| EMPLOYER OPTIONS LLC3 Filed as: EMPLOYER OPTIONS, LLC | PO BOX 208 AMBRIDGE, PA 15003 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 2.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD STE 1000 ROLLING MEADOWS, IL 60008 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 2.71% |
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 | 558 | 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) | 560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,320 | $405K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,159 | $62K |
| Life insurance | STANDARD INSURANCE COMPANY | 709 | $354K |
| Long-term disability | STANDARD INSURANCE COMPANY | 322 | $118K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HM LIFE INSURANCE COMPANY | 558 | $1.4M |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 709 | $417K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,320 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.