| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRACEY & ASSOCIATES3 | 1190 BUCKNELL DRIVE MONROEVILLE, PA 15146 | UPMC HEALTH OPTIONS | $24K | — | $24K | 1.76% |
| BENEFIT NETWORK, INC.3 | 115 VIP DRIVE #300 WEXFORD, PA 15090 | UPMC HEALTH OPTIONS | $17K | — | $17K | 1.26% |
| PENNSYLVANIA AUTO ASSOC INS AGY INC3 Filed as: PENNSYLVANIA AUTO ASSOC INS AGY | C/O EILEEN MAYFIELD INS DIRECTOR HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | — | $7K | 5.68% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE CO | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 2.06% |
| PAA SERVICES INC3 Filed as: PAA SERVICES, INC. | ATTN EILEEN MAYFIELD INS DIRECTOR HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $2K | $2K | 1.49% |
| CHARLES J GETTY3 Filed as: CHARLES GETTY | 3406 LYNNWOOD DRIVE WEST HOMESTEAD, PA 15120 | AMERICAN FIDELITY ASSURANCE COMPANY | $647 | — | $647 | 0.50% |
| TRACEY & ASSOCIATES3 | 1190 BUCKNELL DRIVE MONROEVILLE, PA 15146 | UPMC HEALTH BENEFITS | $7K | — | $7K | 6.32% |
| BENEFITS NETWORK INC. (WEXFORD,PA)3 Filed as: BENEFITS NETWORK, INC. | 115 VIP DRIVE #300 WEXFORD, PA 15090 | UPMC HEALTH BENEFITS | $5K | — | $5K | 4.66% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 600 GRANT STREET SUITE 5100 PITTSBURGH, PA 15219 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 11.26% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, INC. | ONE OXFORD CENTRE 301 GRANT STREET, SUITE 300 PITTSBURGH, PA 15219 | AMERICAN UNITED LIFE INSURANCE COMPANY | $699 | — | $699 | 1.25% |
| VINCENT RICHTAR3 | 2000 CORPORATE DRIVE SUITE 570 WEXFORD, PA 15090 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 22.79% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 288 | $1.5M |
| Dental | UPMC HEALTH BENEFITS | 277 | $104K |
| Vision | HIGHMARK | 261 | $21K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 324 | $65K |
| Short-term disability(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 324 | $195K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 99 | $131K |
| Other(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 324 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.