| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $17K | — | $17K | 2.61% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $8K | — | $8K | 2.57% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | UPMC HEALTH OPTIONS | $882 | — | $882 | 0.27% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $3K | — | $3K | 2.82% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $4K | — | $4K | 10.42% |
| USI INSURANCE SERVICES LLC3 | SIX PPG PLACE STE 200 PO BOX 61007 PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $283 | — | $283 | 0.72% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $290 | — | $290 | 0.86% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $2K | — | $2K | 11.04% |
| USI INSURANCE SERVICES LLC3 | SIX PPG PLACE STE 200 PO BOX 61007 PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $139 | — | $139 | 0.78% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $214 | — | $214 | 1.29% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $82 | — | $82 | 0.87% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $182 | — | $182 | 2.80% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $605 | — | $605 | 11.33% |
| USI INSURANCE SERVICES LLC3 | SIX PPG PLACE STE 200 PO BOX 61007 PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $40 | — | $40 | 0.75% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | — | — | $0 | — |
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 | 453 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(15 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 134 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $34K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.