| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KNEPPER INSURANCE GROUP3 | 221 WEST PATRIOT STREET SOMERSET, PA 15501 | UPMC HEALTH OPTIONS | $79K | — | $79K | 2.62% |
| DAVEVIC BENEFIT CONSULTANTS, INC.3 Filed as: DAVEVIC BENEFIT CONSULTANTS | 902 S CENTER ST GROVE CITY, PA 161271302 | UPMC HEALTH OPTIONS | $10K | — | $10K | 0.32% |
| ACRISURE LLC3 Filed as: ACRISURE DBA THE KNEPPER AGENCY | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $284 | — | $284 | 3.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $156 | — | $156 | 1.98% |
| ACRISURE LLC3 | 221 WEST PATRIOT STREET SOMERSET, PA 15501 | AMERICA UNITED LIFE COMPANY | $27K | — | $27K | 789.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | AMERICA UNITED LIFE COMPANY | — | $9K | $9K | 263.34% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | 1406 N MITCHELL STREET CADILLAC, MI 49601 | AMERICA UNITED LIFE COMPANY | — | $3K | $3K | 100.00% |
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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 333 | $3.0M |
| Dental | UPMC HEALTH OPTIONS | 333 | $3.0M |
| Vision | UPMC HEALTH OPTIONS | 333 | $3.0M |
| Life insurance | AMERICA UNITED LIFE COMPANY | 394 | $3K |
| Short-term disability | AMERICA UNITED LIFE COMPANY | 394 | $3K |
| Long-term disability | AMERICA UNITED LIFE COMPANY | 394 | $3K |
| Prescription drug | UPMC HEALTH OPTIONS | 333 | $3.0M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 394 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.