| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PERRICELLI, ANTHONY | — | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 6TH AVE 30TH FL PITTSBURGH, PA 15222 | HIGHMARK | $120K | — | $120K | 147.44% |
| ANTHONY M PERRICELLI Filed as: ANTHONY PERRICELLI | 210 6TH AVE 60TH FL PITTSBURGH, PA 15222 | UNION SECURITY INSURANCE CO | — | — | $0 | 0.00% |
| EMBROOK BENEFITS CONSULTING, LLC Filed as: EMBROOK BENEFITS CONSULTING | 1601 MEADOWBROOK ROAD JENINTOWN, PA 19046 | CAPITAL ADVANTAGE INSURANCE CO | $475 | — | $475 | 3.99% |
| EMBROOK BENEFITS CONSULTING, LLC Filed as: EMBROOK BENEFITS CONSULTING | 1601 MEADOWBROOK ROAD JENKINTOWN, PA 19046 | CAPITAL ADVANTAGE INSURANCE CO | — | — | $0 | — |
| EMBROOK BENEFITS CONSULTING, LLC Filed as: EMBROOK BENEFITS CONSULTING | 1601 MEADOWBROOK ROAD JENINTOWN, PA 19046 | STANDARD INSURANCE CO | — | — | $0 | — |
| EMERSON REID LLC Filed as: EMERSON REID & CO INC | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE CO | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | FIFTH AVENUE PLACE, 120 FIFTH AVE. PITTSBURGH, PA 152203099 | $163K |
| UPMC HEALTH PLAN EIN 25-1769564 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 600 GRANT STREET PITTSBURGH, PA 15219 | $45K |
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 | 622 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 622 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 545 | $81K |
| Dental(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 544 | $273K |
| Vision(3 contracts, 2 carriers) | HIGHMARK | 545 | $93K |
| Prescription drug | HIGHMARK | 545 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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.
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.