| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRACEY & ASSOCIATES3 Filed as: TRACEY & ASSOCIATES, LLC | 201 CORBET STREET STE 3 TARENTUM, PA 15084 | UPMC HEALTH OPTIONS | $85K | — | $85K | 4.07% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE CO. | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $19K | — | $19K | 7.80% |
| PAA SERVICES INC3 Filed as: PAA SERVICES, INC. | 1919 NORTH FRONT STREET HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $9K | $9K | 3.56% |
| TRACEY & ASSOCIATES3 Filed as: TRACEY & ASSOCIATES, LLC | 201 CORBET STREET STE 3 TARENTUM, PA 15084 | UPMC HEALTH BENEFITS | $16K | — | $16K | 9.41% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, LLC | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $200 | $200 | 0.29% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 7.52% |
| PAA SERVICES INC3 Filed as: PAA SERVICES, INC. | 1919 NORTH FRONT STREET HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $2K | $2K | 3.71% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, LLC | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $985 | $169 | $1K | 7.93% |
| PENNSYLVANIA AUTO ASSOC INS AGY INC3 | PO BOX 2955 HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | $892 | — | $892 | 7.25% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE CO. | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $799 | — | $799 | 6.50% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, LLC | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $891 | $31 | $922 | 7.55% |
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 | 368 | 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) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 322 | $2.4M |
| Dental | UPMC HEALTH BENEFITS | 317 | $173K |
| Vision | UPMC HEALTH BENEFITS | 317 | $173K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 357 | $83K |
| Short-term disability(4 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 357 | $322K |
| Long-term disability(3 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 143 | $309K |
| Other(3 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 143 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.