| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD #120 PITTSBURGH, PA 15241 | UPMC HEALTH OPTIONS | $13K | — | $13K | 2.01% |
| DIGITAL INSURANCE LLC3 | 1000 BROOKTREE ROAD SUITE 300 WEXFORD, PA 15090 | UPMC HEALTH OPTIONS | $9K | — | $9K | 1.35% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | UPMC HEALTH OPTIONS | $3K | — | $3K | 2.08% |
| DIGITAL INSURANCE LLC3 | 1000 BROOKTREE ROAD SUITE 300 WEXFORD, PA 15090 | UPMC HEALTH OPTIONS | $2K | — | $2K | 1.28% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD #120 PITTSBURGH, PA 15241 | UPMC HEALTH OPTIONS | $639 | — | $639 | 1.72% |
| DIGITAL INSURANCE LLC3 | 1000 BROOKTREE ROAD SUITE 300 WEXFORD, PA 15090 | UPMC HEALTH OPTIONS | $594 | — | $594 | 1.60% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY #1950 ATLANTA, GA 303393182 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $698 | $1K | $2K | 7.81% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA #120 PITTSBURGH, PA 15241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.26% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD #120 PITTSBURGH, PA 15241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $886 | — | $886 | 9.98% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY #1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $446 | $432 | $878 | 9.89% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY #1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $194 | $220 | $414 | 9.33% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD #120 PITTSBURGH, PA 15241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $398 | — | $398 | 8.97% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | UPMC HEALTH BENEFITS | $32 | — | $32 | 1.96% |
| DIGITAL INSURANCE LLC3 | 1000 BROOKTREE ROAD SUITE 300 WEXFORD, PA 15090 | UPMC HEALTH BENEFITS | $27 | — | $27 | 1.66% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | UPMC HEALTH OPTIONS | $41 | — | $41 | 2.96% |
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 | 117 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | UPMC HEALTH OPTIONS | 146 | $818K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 91 | $24K |
| Vision(2 contracts) | UPMC HEALTH BENEFITS | 184 | $2K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $4K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $24K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 27 | $9K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.