| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C B TRACY & ASSOCIATES DBA TRACYCO3 Filed as: C B TRACY & ASSOC INC DBA TRACYCO | 506 PELLIS ROAD GREENSBURG, PA 15601 | UPMC HEALTH BENEFITS | $13K | — | $13K | 9.39% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 6.20% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 Filed as: C B TRACY & ASSOC INC DBA TRACYCO | 506 PELLIS ROAD GREENSBURG, PA 15601 | UNITED CONCORDIA COMPANIES INC | $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 Filed as: C B TRACY & ASSOC INC DBA TRACYCO | 506 PELLIS ROAD GREENSBURG, PA 15601 | UPMC HEALTH BENEFITS | $1K | — | $1K | 9.43% |
| TIMOTHY HELMAN3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | UNITED HEALTHCARE INSSURANCE COMPANY | $1K | — | $1K | 10.57% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 Filed as: C B TRACY & ASSOC INC DBA TRACYCO | 506 PELLIS ROAD GREENSBURG, PA 15601 | UNITED CONCORDIA COMPANIES INC | $814 | — | $814 | 9.99% |
| C B TRACY & ASSOCIATES DBA TRACYCO3 | 506 PELLIS ROAD GREENSBURG, PA 15601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $514 | — | $514 | 10.00% |
| MGIS3 | 111 SOUTH MAIN ST SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 3.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELUZIO & COMPANY, LLP EIN 45-3941203 AUDITING SERVICES | Accounting (including auditing) Service code 10 | 351 HARVEY AVENUE SUITE A GREENSBURG, PA 15601 | $10K |
| SUN LIFE ASSURANCE CO OF CANADA EIN 38-1082080 CLAIMS PROCESSING | Claims processing Service code 12 | ONE SUN LIFE EXECUTIVE PARK 96 WORCESTER STREET WELLESLEY HILLS, MA 02481 | $6K |
| C B TRACY & ASSOCIATES DBA TRACYCO EIN 25-1353456 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 506 PELLIS ROAD GREENSBURG, PA 15601 | $6K |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts, 3 carriers) | UPMC HEALTH BENEFITS | 344 | $194K |
| Vision(3 contracts, 2 carriers) | UPMC HEALTH BENEFITS | 344 | $159K |
| Life insurance(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 204 | $111K |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 204 | $88K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 5 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.
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.