| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | — | $26K | $26K | 3.20% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | — | $10K | $10K | 3.31% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | — | $8K | $8K | 3.23% |
| SMC INSURANCE AGENCY, INC.3 Filed as: SMC INSURANCE AGENCY | 850 CRANBERRY WOODS DR SUITE 222 CRANBERRY TOWNSHIP, PA 160665221 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.59% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS | 965 GREENTREE RD SUITE 110 PITTSBURGH, PA 152203353 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.64% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 13800 JACKSON ROAD MISHAWAKA, IN 465449195 | PRINCIPAL LIFE INSURANCE COMPANY | $271 | — | $271 | 0.63% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | — | $1K | $1K | 3.33% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | — | $1K | $1K | 3.25% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | $708 | $708 | 2.96% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | $196 | $196 | 3.08% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | $178 | $178 | 2.97% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | $160 | $160 | 2.96% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | $80 | $80 | 2.90% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | $69 | $69 | 3.02% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | $18 | $18 | 2.75% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | $8 | $8 | 2.87% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | $6 | $6 | 3.47% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | — |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | UPMC HEALTH OPTIONS | 91 | $1.4M |
| Dental(11 contracts) | UPMC HEALTH BENEFITS | 69 | $48K |
| Vision(11 contracts) | UPMC HEALTH BENEFITS | 69 | $48K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.