| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE. STE. 805 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $36K | — | $36K | 2.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE. STE. 805 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $32K | — | $32K | 2.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE. STE. 805 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $6K | — | $6K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE. STE. 805 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $5K | — | $5K | 2.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE. STE. 805 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $4K | — | $4K | 2.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE. STE. 805 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $3K | — | $3K | 2.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE. STE. 805 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $2K | — | $2K | 2.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE. STE. 805 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $2K | — | $2K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE. STE. 805 PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 4.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE. STE. 805 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $204 | — | $204 | 2.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE, STE. 805 PITTSBURGH, PA 15222 | DELTA DENTAL OF PENNSYLVANIA | $3K | — | $3K | — |
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 | 468 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts) | UPMC HEALTH OPTIONS | 249 | $3.6M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 731 | $0 |
| Vision | VISION BENEFITS OF AMERICA | 402 | $27K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 466 | $74K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 402 | $142K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 402 | $49K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 468 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 731 | — |
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.