| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | UPMC HEALTH OPTIONS | $15K | $0 | $15K | 2.82% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | UPMC HEALTH OPTIONS | $6K | $0 | $6K | 2.95% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF PA INC | 125 E ELM ST #210 CONSHOHOCKEN, PA 19428 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 6.59% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $719 | $0 | $719 | 1.86% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF PA INC | 125 E ELM ST #210 CONSHOHOCKEN, PA 19428 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 13.87% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $436 | $0 | $436 | 2.25% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | UPMC HEALTH OPTIONS | $479 | $0 | $479 | 3.21% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF PA INC | 125 E ELM ST #210 CONSHOHOCKEN, PA 19428 | STANDARD INSURANCE COMPANY | $999 | $0 | $999 | 11.11% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $208 | $0 | $208 | 2.31% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | UPMC HEALTH OPTIONS | $102 | $0 | $102 | 3.00% |
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 | 73 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 75 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | UPMC HEALTH OPTIONS | 84 | $765K |
| Dental | STANDARD INSURANCE COMPANY | 0 | $0 |
| Vision | STANDARD INSURANCE COMPANY | 0 | $0 |
| Life insurance | STANDARD INSURANCE COMPANY | 75 | $9K |
| Short-term disability | STANDARD INSURANCE COMPANY | 74 | $39K |
| Long-term disability | STANDARD INSURANCE COMPANY | 75 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 84 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.