| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRACEY & ASSOCIATES3 Filed as: TRACEY AND ASSOCIATES, LLC | 1190 BUCKNELL DRIVE MONROEVILLE, PA 15146 | UPMC HEALTH OPTIONS | $54K | — | $54K | 3.40% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE CO. | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $14K | — | $14K | 6.48% |
| PAA SERVICES INC3 Filed as: PAA SERVICES, INC. | 1919 NORTH FRONT STREET HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $8K | $8K | 3.85% |
| PENNSYLVANIA AUTO ASSOC INS AGY INC3 | PO BOX 2955 HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | $394 | — | $394 | 0.18% |
| TRACEY & ASSOCIATES3 Filed as: TRACEY AND ASSOCIATES, LLC | 1190 BUCKNELL DRIVE MONROEVILLE, PA 15146 | UPMC HEALTH BENEFITS | $15K | — | $15K | 10.27% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, INC. | ONE OXFORD CENTER 301 GRANT STREET, STE 300 PITTSBURGH, PA 15219 | AMERICAN UNITED LIFE INSURANCE COMPANY | $9K | — | $9K | 12.83% |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 341 | $1.8M |
| Dental | UPMC HEALTH BENEFITS | 328 | $144K |
| Vision | UPMC HEALTH BENEFITS | 328 | $144K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 319 | $71K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 319 | $290K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 141 | $219K |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 319 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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."
No prospect flags tripped on this filing.