| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 12 FEDERAL STREET SUITE 405 ONE NORTH SHORE CENTER PITTSBURGH, PA 15212 | UNITED HEALTHCARE INSURANCE COMPANY | — | $50K | $50K | 2.56% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UNITED HEALTHCARE INSURANCE COMPANY | $932 | $10K | $11K | 0.57% |
| FIRST NATIONAL INSURANCE AGENCY3 | P.O. BOX 297 SELINSGROVE, PA 17870 | GEISINGER QUALITY OPTIONS, INC. | $8K | $46 | $8K | 2.23% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 823237 PHILADELPHIA, PA 19182 | AETNA LIFE INSURANCE COMPANY | $14K | — | $14K | 8.48% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 12 FEDERAL STREET SUITE 405 ONE NORTH SHORE CENTER PITTSBURGH, PA 15212 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.17% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $32 | $1K | 0.90% |
| FIRST NATIONAL INSURANCE AGENCY3 | 12 FEDERAL STREET PITTSBURGH, PA 15212 | EYEMED | $2K | — | $2K | 9.06% |
| FIRST NATIONAL INSURANCE AGENCY3 | 12 FEDERAL STREET PITTSBURGH, PA 15212 | EYEMED | $29 | — | $29 | 9.54% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 371 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 437 | $135K |
| Vision(2 contracts) | EYEMED | 501 | $25K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 250 | $165K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 250 | $165K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 250 | $165K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 371 | $2.3M |
| Other | AETNA LIFE INSURANCE COMPANY | 250 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.