| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #210 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $8K | — | $8K | 2.02% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #210 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $6K | — | $6K | 2.01% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #210 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $5K | — | $5K | 1.81% |
| DAN DESTEFANO3 | 128 GOLF VIEW DRIVE MCMURRAY, PA 15317 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 9.97% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 5.18% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #210 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $5K | — | $5K | 2.00% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #210 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $4K | — | $4K | 1.83% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #210 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $4K | — | $4K | 2.00% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #210 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $3K | — | $3K | 1.95% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #210 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $2K | — | $2K | 1.81% |
| LIBERTY INSURANCE SERVICES | 1910 COCHRAN ROAD, #210 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $2K | — | $2K | 1.77% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #210 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $2K | — | $2K | 1.77% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #210 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $2K | — | $2K | 1.80% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #210 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $881 | — | $881 | 2.22% |
| DAN DESTEFANO3 | 128 GOLF VIEW DRIVE MCMURRAY, PA 15317 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 4.57% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #210 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $262 | — | $262 | 1.82% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #210 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $140 | — | $140 | 1.85% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #210 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $128 | — | $128 | 1.83% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #210 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $127 | — | $127 | 1.85% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #210 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $10 | — | $10 | 1.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FIRST NATIONAL TRUST COMPANY NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 12 FEDERAL STREET, 400 PITTSBURGH, PA 15212 | $17K |
| BAKER TILLY EIN 39-0859910 NONE | Accounting (including auditing); Consulting (general) Service code 10 | — | $11K |
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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 399 | $277K |
| Vision | VISION BENEFITS OF AMERICA | 400 | $27K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 399 | $277K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 399 | $277K |
| Prescription drug(17 contracts) | UPMC HEALTH OPTIONS | 60 | $2.3M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 399 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.