| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC AGENTS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AMERICAN FAMILY LIFE INSURANCE COMPANY OF COLUMBUS | $2.2M | $104K | $2.3M | 17.29% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN AND ASSOCIATES LLC | 120 MARGUERITE DR SUITE 100 CRANBERRY, PA 16066 | CIGNA GROUP INSURANCE | $36.2M | — | $36.2M | 2601.70% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | METLIFE | — | — | $0 | 0.00% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC AGENTS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AMERICAN FAMILY LIFE INSURANCE COMPANY OF COLUMBUS | $40K | $2K | $42K | 13.30% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS | $29K | $3K | $33K | 11.26% |
| NEAL HURLEY3 | 76 CRESCENT DRIVE CLINTON, PA 15026 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.50% |
| CAROL HURLEY3 | 3508 FIFTH AVENUE SUITE 2 PITTSBURGH, PA 15213 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.50% |
| J12 CONCEPTS LLC3 | 2034 SWALLOW HILL #128 PITTSBURGH, PA 15220 | FEDERAL INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 89,656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,044 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 94,700 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH PLAN | 88,530 | $47.1M |
| Dental | UPMC HEALTH PLAN | 88,530 | $47.1M |
| Vision | UPMC HEALTH PLAN | 88,530 | $47.1M |
| Short-term disability | UPMC WORKPARTNERS | 88,530 | $6.6M |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,970 | $128K |
| Prescription drug | UPMC HEALTH PLAN | 88,530 | $47.1M |
| Other(9 contracts, 8 carriers) | UPMC HEALTH PLAN | 88,530 | $66.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 88,530 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.