| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHONY M PERRICELLI Filed as: ANTHONY PERRICELLI | 210 6TH AVE 60TH FL PITTSBURGH, PA 15222 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 6TH AVE 30TH FL PITTSBURGH, PA 15222 | HIGHMARK | $116K | — | $116K | 204.46% |
| EMERSON REID LLC Filed as: EMERSON REID & CO INC | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE CO | $2K | — | $2K | 4.58% |
| KMRD PARTNERS | 2600 KELLY ROAD WARRINGTON, PA 18976 | STANDARD INSURANCE CO | $2K | — | $2K | 3.15% |
| EMERSON REID LLC Filed as: EMERSON REID & CO INC | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE CO | $693 | — | $693 | 12.54% |
| KMRD PARTNERS | 2600 KELLY ROAD WARRINGTON, PA 18976 | STANDARD INSURANCE CO | $159 | — | $159 | 2.88% |
| EMBROOK BENEFITS CONSULTING, LLC Filed as: EMBROOK BENEFITS CONSULTING | 1601 MEADOWBROOK ROAD JENINTOWN, PA 19046 | UNION SECURITY INSURANCE CO | — | — | $0 | — |
| EMERSON REID LLC Filed as: EMERSON REID & CO INC | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNION SECURITY INSURANCE CO | — | — | $0 | — |
| KMRD PARTNERS3 | 2600 KELLY ROAD WARRINGTON, PA 18976 | UNION SECURITY 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 | $73K |
| UPMC HEALTH PLAN EIN 25-1769564 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 600 GRANT STREET PITTSBURGH, PA 15219 | $60K |
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 | 557 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 574 | $57K |
| Dental(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,094 | $306K |
| Vision(3 contracts, 3 carriers) | HIGHMARK | 574 | $62K |
| Prescription drug | HIGHMARK | 574 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,094 | — |
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.