| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| 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 | UNITED CONCORDIA INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | UPMC HEALTH BENEFITS | $831 | — | $831 | 10.01% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $981 | — | $981 | 14.82% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $509 | — | $509 | 9.98% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $235 | — | $235 | 5.20% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | VISION BENEFITS OF AMERICA | $163 | — | $163 | 4.99% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | UPMC HEALTH BENEFITS | $61 | — | $61 | 4.04% |
| THE DJB GROUP3 Filed as: THE DJB GROUP INC. | 262 CHESTNUT STREET SUITE 200 MEADVILLE, PA 16335 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $124 | — | $124 | 9.66% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | VISION BENEFITS OF AMERICA | $93 | — | $93 | 8.34% |
| 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 | $12K |
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 | 468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 3 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 68 | $53K |
| Vision(3 contracts, 2 carriers) | VISION BENEFITS OF AMERICA | 39 | $6K |
| Life insurance(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 468 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.