| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $30K | — | $30K | 1.99% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $29K | — | $29K | 2.01% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $22K | — | $22K | 2.02% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $21K | — | $21K | 1.99% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $13K | — | $13K | 2.00% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UNITED CONCORDIA INSURANCE COMPANY | $14K | — | $14K | 4.99% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $4K | — | $4K | 1.92% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $3K | — | $3K | 2.01% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $3K | — | $3K | 1.96% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $2K | — | $2K | 2.07% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $1K | — | $1K | 2.01% |
| 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 | $2K | — | $2K | 5.00% |
| 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 | UPMC HEALTH OPTIONS | $680 | — | $680 | 1.93% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $509 | — | $509 | 1.99% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $463 | — | $463 | 2.05% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $390 | — | $390 | 1.99% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $723 | — | $723 | 4.06% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DRIVE SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $162 | — | $162 | 1.99% |
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 | 428 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(16 contracts) | UPMC HEALTH OPTIONS | 261 | $6.6M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 933 | $273K |
| Vision | VISION BENEFITS OF AMERICA | 364 | $49K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 461 | $46K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 461 | $54K |
| Prescription drug(16 contracts) | UPMC HEALTH OPTIONS | 261 | $6.6M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 461 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 933 | — |
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.