| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $28K | — | $28K | 1.84% |
| CAPITAL INSURANCE ADVISORS LLC | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $26K | — | $26K | 1.83% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $22K | — | $22K | 1.85% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $16K | — | $16K | 1.83% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $9K | — | $9K | 1.84% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UNITED CONCORDIA INSURANCE COMPANY | $15K | — | $15K | 5.01% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $5K | — | $5K | 2.07% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $2K | — | $2K | 1.85% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $2K | — | $2K | 1.84% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $2K | — | $2K | 1.79% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $2K | — | $2K | 1.83% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 5.00% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $697 | — | $697 | 1.83% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $568 | — | $568 | 1.79% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 9.84% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $518 | — | $518 | 1.82% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $113 | — | $113 | 1.34% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $2K | — | $2K | 40.60% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $2K | — | $2K | 227.72% |
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 | 549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 223 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 790 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(16 contracts) | UPMC HEALTH OPTIONS | 233 | $6.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,044 | $301K |
| Vision | VISION BENEFITS OF AMERICA | 364 | $50K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 474 | $38K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 469 | $53K |
| Prescription drug(16 contracts) | UPMC HEALTH OPTIONS | 233 | $6.3M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 474 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,044 | — |
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.