| 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 | $38K | — | $38K | 2.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE. STE. 805 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $36K | — | $36K | 2.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE. STE. 805 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $6K | — | $6K | 2.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 444 LIBERTY AVE STE 805 PITTSBURGH, PA 15222 | UPMN HEALTH OPTIONS | $6K | — | $6K | 2.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE. STE. 805 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $4K | — | $4K | 2.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE. STE. 805 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $4K | — | $4K | 2.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE. STE. 805 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $2K | — | $2K | 2.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE. STE. 805 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $2K | — | $2K | 2.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVE. STE. 805 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $992 | — | $992 | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 444 LIBERTY AVE STE 805 PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $613 | — | $613 | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 444 LIBERTY AVE STE 805 PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $599 | — | $599 | 4.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 444 LIBERTY AVE STE 805 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $241 | — | $241 | 2.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 444 LIBERTY AVE STE 805 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $63 | — | $63 | 2.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 444 LIBERTY AVE STE 805 PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $94 | — | $94 | 4.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 444 LIBERTY AVE STE 805 PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $63 | — | $63 | 4.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 444 LIBERTY AVE STE 805 PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $38 | — | $38 | 3.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAHER BENEFIT SERVICES INC | 444 LIBERTY AVE STE 805 PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $37 | — | $37 | 3.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 444 LIBERTY AVE STE 805 PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $23 | — | $23 | 2.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 444 LIBERTY AVE STE 805 PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $25 | — | $25 | 3.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 444 LIBERTY AVE STE 805 PITTSBURGH, PA 15222 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | — |
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 | 433 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 279 | $3.6M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 752 | $0 |
| Vision(8 contracts) | UPMC HEALTH BENEFITS | 308 | $37K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 433 | $115K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 433 | $137K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 433 | $113K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 433 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 752 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.