| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | UNITED CONCORDIA | $4K | — | $4K | 10.48% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 5.26% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | MET LIFE | $842 | — | $842 | 7.35% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | UPMC | $973 | — | $973 | 9.17% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $327 | — | $327 | 12.41% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | VISION BENEFITS OF AMERICA | $158 | — | $158 | 7.47% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | VISION BENEFITS OF AMERICA | $128 | — | $128 | 9.22% |
| THE DJB GROUP3 Filed as: THE DJB GROUP INC | 310 GRANT STREET SUITE 920 PITTSBURGH, PA 15219 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $126 | — | $126 | 9.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| C B TRACY & ASSOCIATES DBA TRACYCO EIN 25-1353456 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 506 PELLIS ROAD GREENSBURG, PA 15601 | $15K |
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 | 514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA | 63 | $57K |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 19 | $4K |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 523 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.