| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UPMC HEALTH PLAN | $30K | $0 | $30K | 3.36% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMINISTRATOR, | P.O. BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 17.99% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHER INC | 920 FORTH DUQUESNE BLVD PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.81% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $0 | $10K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| HENDERSON BROTHERS, INC.3 | 920 FORTH DUQUESNE BLVD PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 36.00% |
| HENDERSON BROTHERS, INC.3 | 920 FORTH DUQUESNE BLVD PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 24.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 36.00% |
| HENDERSON BROTHERS, INC.3 | 920 FORTH DUQUESNE BLVD PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 24.00% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH PLAN | 116 | $891K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 150 | $67K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 237 | $54K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 54 | $52K |
| Prescription drug | UPMC HEALTH PLAN | 116 | $891K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 237 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.