| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C B TRACY & ASSOCIATES DBA TRACYCO3 Filed as: C B TRACY & ASSOC DBA TRACYCO | 506 PELLIS ROAD GREENSBURG, PA 15601 | UNITED CONCORDIA | $3K | — | $3K | 10.00% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | SUN LIFE ASSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.26% |
| TIMOTHY HELMAN3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.69% |
| ARMS INSURANCE GROUP LLC3 | 3000 LENTO BLVD BETHEL PARK, PA 15102 | UNITED HEALTHCARE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 Filed as: C B TRACY & ASSOC DBA TRACYCO | 506 PELLIS ROAD GREENSBURG, PA 15601 | UPMC HEALTH BENEFITS | $1K | — | $1K | 9.99% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $390 | — | $390 | 6.41% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $299 | — | $299 | 14.52% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMPLOYEE BEN SVCS OF PITT | 600 WATERFRONT DRIVE SUITE 225 PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $200 | — | $200 | 9.85% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 Filed as: C B TRACY & ASSOC DBA TRACYCO | 506 PELLIS ROAD GREENSBURG, PA 15601 | VISION BENEFITS OF AMERICA | $72 | — | $72 | 4.99% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 Filed as: C B TRACY & ASSOC DBA TRACYCO | 506 PELLIS ROAD GREENSBURG, PA 15601 | VISION BENEFITS OF AMERICA | $116 | — | $116 | 8.22% |
| 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 | 10.02% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 Filed as: C B TRACY & ASSOC DBA TRACYCO | 506 PELLIS ROAD GREENSBURG, PA 15601 | UPMC HEALTH PLAN BENEFITS | $47 | — | $47 | 4.04% |
| 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 | $13K |
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 | 497 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 4 carriers) | UNITED CONCORDIA | 80 | $66K |
| Vision(4 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 39 | $20K |
| Life insurance(5 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF AMERICA | 481 | $55K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 39 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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."
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.