| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY FINANCIAL SERVICES Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN RD STE 800 PITTSBURGH, PA 15220 | UPMC HEALTH PLAN | $7K | — | $7K | 2.05% |
| LIBERTY FINANCIAL SERVICES Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN RD STE 800 PITTSBURGH, PA 15220 | UPMC HEALTH PLAN | $5K | — | $5K | 2.01% |
| LIBERTY FINANCIAL SERVICES Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN RD STE 800 PITTSBURGH, PA 15220 | UPMC HEALTH PLAN | $5K | — | $5K | 1.99% |
| LIBERTY FINANCIAL SERVICES Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN RD STE 800 PITTSBURGH, PA 15220 | GUARDIAN | $17K | — | $17K | 7.29% |
| LIBERTY FINANCIAL SERVICES Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN RD STE 800 PITTSBURGH, PA 15220 | UPMC HEALTH PLAN | $3K | — | $3K | 2.00% |
| LIBERTY FINANCIAL SERVICES Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN RD STE 800 PITTSBURGH, PA 15220 | UPMC HEALTH PLAN | $2K | — | $2K | 1.91% |
| LIBERTY FINANCIAL SERVICES Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN RD STE 800 PITTSBURGH, PA 15220 | UPMC HEALTH PLAN | $2K | — | $2K | 1.84% |
| LIBERTY FINANCIAL SERVICES Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN RD STE 800 PITTSBURGH, PA 15220 | UPMC HEALTH PLAN | $2K | — | $2K | 1.96% |
| LIBERTY FINANCIAL SERVICES Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN RD STE 800 PITTSBURGH, PA 15220 | UPMC HEALTH PLAN | $2K | — | $2K | 2.01% |
| LIBERTY FINANCIAL SERVICES Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN RD STE 800 PITTSBURGH, PA 15220 | UPMC HEALTH PLAN | $1K | — | $1K | 2.04% |
| LIBERTY FINANCIAL SERVICES Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN RD STE 800 PITTSBURGH, PA 15220 | UPMC HEALTH PLAN | $527 | — | $527 | 1.83% |
| LIBERTY FINANCIAL SERVICES Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN RD STE 800 PITTSBURGH, PA 15220 | UPMC HEALTH PLAN | $606 | — | $606 | 2.46% |
| LIBERTY INSURANCE SERVICES | 1910 COCHRAN RD STE 800 PITTSBURGH, PA 15220 | UPMC HEALTH PLAN | $396 | — | $396 | 2.05% |
| LIBERTY FINANCIAL SERVICES Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN RD STE 800 PITTSBURGH, PA 15220 | UPMC HEALTH PLAN | $54 | — | $54 | 1.43% |
| LIBERTY FINANCIAL SERVICES Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN RD STE 800 PITTSBURGH, PA 15220 | UPMC HEALTH PLAN | $75 | — | $75 | 2.00% |
| LIBERTY FINANCIAL SERVICES Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN RD STE 800 PITTSBURGH, PA 15220 | UPMC HEALTH PLAN | $60 | — | $60 | 1.75% |
| LIBERTY FINANCIAL SERVICES Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN RD STE 800 PITTSBURGH, PA 15220 | UPMC HEALTH PLAN | — | — | $0 | — |
| LIBERTY FINANCIAL SERVICES Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN RD STE 800 PITTSBURGH, PA 15220 | UPMC HEALTH PLAN | — | — | $0 | — |
| LIBERTY FINANCIAL SERVICES Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN RD STE 800 PITTSBURGH, PA 15220 | UPMC HEALTH PLAN | — | — | $0 | — |
| LIBERTY FINANCIAL SERVICES Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN RD STE 800 PITTSBURGH, PA 15220 | UPMC HEALTH PLAN | $19 | — | $19 | — |
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 | 351 | 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) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 324 | $232K |
| Life insurance | GUARDIAN | 324 | $232K |
| Short-term disability | GUARDIAN | 324 | $232K |
| Long-term disability | GUARDIAN | 324 | $232K |
| Prescription drug(23 contracts) | UPMC HEALTH PLAN | 55 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.