| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $8K | — | $8K | 1.84% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $5K | — | $5K | 1.85% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $4K | — | $4K | 1.82% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $4K | — | $4K | 1.82% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $4K | — | $4K | 1.82% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $4K | — | $4K | 1.84% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $4K | — | $4K | 1.82% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $3K | — | $3K | 1.79% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $3K | — | $3K | 1.86% |
| DANIEL DESTEFANO3 | 128 GOLF VIEW DRIVE MCMURRAY, PA 15317 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 9.73% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 4.60% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $2K | — | $2K | 1.86% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $6K | — | $6K | 8.57% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $1K | — | $1K | 1.84% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $6K | — | $6K | 8.60% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $792 | — | $792 | 1.81% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $4K | — | $4K | 8.61% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $625 | — | $625 | 1.80% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $414 | — | $414 | 1.74% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $313 | — | $313 | 1.83% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $256 | — | $256 | 1.82% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $139 | — | $139 | 1.84% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $139 | — | $139 | 1.84% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $492 | — | $492 | 8.53% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $79 | — | $79 | 1.75% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $23 | — | $23 | 2.01% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $84 | — | $84 | 8.64% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $30 | — | $30 | 8.50% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $30 | — | $30 | 8.50% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD, #800 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $5 | — | $5 | 9.26% |
| 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 | $20K |
| SUN LIFE ASSURANCE CO. OF CANADA EIN 38-1082080 NONE | Claims processing Service code 12 | — | $15K |
| BAKER TILLY EIN 30-1413443 NONE | Consulting (general); Accounting (including auditing) Service code 10 | — | $12K |
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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(10 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 398 | $312K |
| Vision(9 contracts, 2 carriers) | UPMC HEALTH BENEFITS | 283 | $186K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 398 | $126K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 398 | $126K |
| Prescription drug(19 contracts) | UPMC HEALTH OPTIONS | 65 | $2.5M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 398 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.