| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROY L D'ALESSANDRO3 | 300 MOUNT LEBANON BLVD STE 311 PITTSBURGH, PA 15234 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $63K | $68K | 4.22% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 0.68% |
| D'ALESSANDRO & ASSOCIATES INC3 | 300 MOUNT LEBANON BLVD STE 311 PITTSBURGH, PA 15234 | UNITEDHEALTHCARE INSURANCE COMPANY | $242 | — | $242 | 0.01% |
| D'ALESSANDRO & ASSOCIATES INC3 Filed as: D'ALESSANDRO, CAROL ANN | 300 MOUNT LEBANON BLVD STE 311 PITTSBURGH, PA 15234 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 9.77% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 342 | $1.6M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 342 | $1.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 342 | $1.6M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 152 | $143K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 152 | $143K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 152 | $143K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 342 | $1.6M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 152 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.