| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UPMC HEALTH NETWORK | $17K | — | $17K | 2.79% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UPMC HEALTH NETWORK | $10K | — | $10K | 2.79% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UPMC HEALTH NETWORK | $3K | — | $3K | 2.97% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.65% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON MCCRADY BENEFITS | 1320 GRANT BLDG PITTSBURGH, PA 15219 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $57 | — | $57 | 0.08% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | CIGNA GROUP INSURANCE | $4K | — | $4K | 10.55% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | CIGNA GROUP INSURANCE | $2K | — | $2K | 10.00% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | CIGNA GROUP INSURANCE | $1K | — | $1K | 10.00% |
| HENDERSON BROTHERS, INC. | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15219 | UPMC HEALTH NETWORK | $117 | — | $117 | 1.87% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UPMC HEALTH NETWORK | $113 | — | $113 | 2.80% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | UPMC HEALTH NETWORK | 165 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $74K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $74K |
| Life insurance | CIGNA GROUP INSURANCE | 0 | $20K |
| Short-term disability | CIGNA GROUP INSURANCE | 0 | $13K |
| Long-term disability | CIGNA GROUP INSURANCE | 0 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.