| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | UPMC HEALTH BENEFITS | $3K | — | $3K | 9.39% |
| 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 | $1K | — | $1K | 5.26% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 10.08% |
| TIMOTHY HELMAN3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.26% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | UNITED CONCORDIA INSURANCE COMPANY | $932 | — | $932 | 10.00% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $140 | — | $140 | 9.99% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $30 | $30 | 2.14% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | UPMC HEALTH BENEFITS | $26 | — | $26 | 3.88% |
| 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 | $8K |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 3 carriers) | UPMC HEALTH BENEFITS | 341 | $88K |
| Vision(3 contracts, 2 carriers) | UPMC HEALTH BENEFITS | 341 | $50K |
| Life insurance(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 416 | $66K |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 223 | $40K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 6 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.
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.