| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHR BFT SVC INC | 2 PIERCE PLACE 14TH FLR ITASCA, IL 60143 | HM LIFE INSURANCE COMPANY | $46K | — | $46K | 13.00% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON-MCCRADY BENEFITS | 310 330 GRANT ST STE 1320 PITTSBURGH, PA 15219 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 2.97% |
| SIMPSON MCCRADY BENEFITS LLC Filed as: SIMPSON-MCCRADY BENEFITS | 310 330 GRANT ST STE 1320 PITTSBURGH, PA 15219 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 2.73% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON-MCCRADY BENEFITS | 310 330 GRANT ST STE 1320 PITTSBURGH, PA 15219 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 3.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 400 HOLIDAY DRIVE FOSTER PLAZA #210 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 4.49% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON-MCCRADY BENEFITS | 310 330 GRANT ST STE 1320 PITTSBURGH, PA 15219 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $54 | $54 | 2.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 400 HOLIDAY DRIVE FOSTER PLAZA #210 PITTSBURGH, PA 15220 | DELTA DENTAL OF PENNSYLVANIA | $3K | — | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHAMERICA OF PENNSYLVANIA, INC. EIN 62-1411933 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 750 PRIDES CROSSING, SUITE 200 NEWARK, DE 19713 | $191K |
| GALLAGHER BENEFIT SERVICES,INC INSURANCE BROKER | Insurance agents and brokers Service code 22 | 210 INDUSTRIAL PARK DRIVE JOHNSTOWN, PA 15904 | $32K |
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 | 499 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 722 | $0 |
| Vision | VISION BENEFITS OF AMERICA | 434 | $28K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 499 | $59K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 406 | $124K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 406 | $43K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 410 | $357K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 499 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 722 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.