| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS NETWORK INC. (WEXFORD,PA) Filed as: BENEFITS NETWORK INC | 115 VIP DRIVE STE 300 WEXFORD, PA 15090 | UPMC HEALTH OPTIONS, INC | $12K | — | $12K | 1.22% |
| BENEFITS NETWORK INC. (WEXFORD,PA) Filed as: BENEFITS NETWORK INC | 115 VIP DRIVE STE 300 WEXFORD, PA 15090 | UPMC HEALTH OPTIONS, INC | $16K | — | $16K | 2.52% |
| ARMS INSURANCE GROUP LLC | 3000 LENTO BLVD BETHEL PARK, PA 15102 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $8K | $16K | 9.66% |
| ARMS INSURANCE GROUP LLC Filed as: ARMS INSURANCE GROUP INC | 3000 LENTO BLVD BETHEL PARK, PA 15102 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.53% |
| BENEFITS NETWORK INC. (WEXFORD,PA) Filed as: BENEFITS NETWORK INC | NORTHRIDGE OFFICE PLAZA 115 VIP DRIVE SUITE 300 WEXFORD, PA 15090 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.15% |
| BENEFITS NETWORK INC. (WEXFORD,PA)3 Filed as: BENEFITS NETWORK INC | 115 VIP DRIVE , STE 300 WEXFORD, PA 15090 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.31% |
| BENEFITS NETWORK INC. (WEXFORD,PA)3 Filed as: BENEFITS NETWORK INC | 115 VIP DRIVE, STE 300 WEXFORD, PA 15090 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.84% |
| BENEFITS NETWORK INC. (WEXFORD,PA)3 Filed as: BENEFITS NETWORK INC | 115 VIP DRIVE, STE 300 WEXFORD, PA 15090 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.76% |
| BENEFITS NETWORK INC. (WEXFORD,PA) Filed as: BENEFITS NETWORK INC | 115 VIP DRIVE STE 300 WEXFORD, PA 15090 | UPMC HEALTH OPTIONS, INC | $655 | — | $655 | 2.89% |
| BENEFITS NETWORK INC. (WEXFORD,PA) Filed as: BENEFITS NETWORK, INC | 115 VIP DRIVE, SUITE 300 WEXFORD, PA 15090 | HEARTLAND | $831 | — | $831 | 5.00% |
| BENEFITS NETWORK INC. (WEXFORD,PA) Filed as: BENEFITS NETWORK INC | 115 VIP DRIVE, SUITE 300 WEXFORD, PA 15090 | UPMC HEALTH OPTIONS, INC | -$323 | — | -$323 | -2.15% |
| BENEFITS NETWORK INC. (WEXFORD,PA) Filed as: BENEFITS NETWORK INC | 115 VIP DRIVE STE 300 WEXFORD, PA 15090 | UPMC HEALTH OPTIONS, INC | $18 | — | $18 | 2.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UPMC BENEFIT MANAGEMENT EIN 25-1769564 | Plan Administrator Service code 14 | 600 GRANT STREET PITTSBURGH, PA 15219 | $297 |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | UPMC HEALTH OPTIONS, INC | 287 | $1.7M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $170K |
| Vision | HEARTLAND | 490 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $39K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $98K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $35K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.