| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NATIONAL INSURANCE AGENCY3 | ONE NORTH SHORE, 12 FEDERAL ST. PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $22K | — | $22K | 3.15% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: FIRST NIAGRA RISK MANAGEMENT | 726 EXCHANGE ST., SUITE 900 BUFFALO, NY 14210 | GUARDIAN | $2K | — | $2K | 3.40% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD #103 CLEVELAND, OH 44131 | GUARDIAN | $1K | — | $1K | 1.87% |
| FIRST NATIONAL INSURANCE AGENCY3 | 704 N. MAIN STREET MEADVILLE, PA 16335 | GUARDIAN | $436 | — | $436 | 0.81% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH, LLC | 244 BLVD OF THE ALLIES 6TH FLOOR PITTSBURGH, PA 15222 | GUARDIAN | $56 | — | $56 | 0.10% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: FIRST NIAGRA RISK MANAGEMENT | 1215 MANOR DRIVE, SUITE 200 MECHANICSBURG, PA 17055 | EYEMED | $242 | — | $242 | 3.54% |
| FIRST NATIONAL INSURANCE AGENCY3 | ONE NORTH SHORE, 12 FEDERAL ST. PITTSBURGH, PA 15212 | EYEMED | $188 | — | $188 | 2.75% |
No Schedule C service providers reported on this filing.
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 189 | $685K |
| Dental | GUARDIAN | 103 | $54K |
| Vision | EYEMED | 149 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.