No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT FUND SERVICE COMPANY EIN 25-1324245 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $190K |
| PNC INVESTMENT ADVISORS EIN 22-1146430 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $33K |
| COWDEN ASSOCIATES, INC. EIN 25-1750131 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $24K |
| GROSSMAN YANAK & FORD LLP EIN 25-1638525 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $22K |
| MEYER UNKOVIC & SCOTT LLP EIN 25-1008021 NONE | Legal; Direct payment from the plan Service code 29 | — | $19K |
| PNC BANK, N.A. EIN 22-1146430 NONE | Account maintenance fees; Direct payment from the plan Service code 50 | — | $10K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Insurance agents and brokers Service code 22 | — | $9K |
| FREEDOM RESOURCES EIN 25-1447962 NONE | Direct payment from the plan; Other services Service code 49 | — | $9K |
| MCELHANEY & ASSOCIATES, LLC EIN 38-3806684 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $7K |
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 | 508 | 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) | 511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts) | UPMC HEALTH OPTIONS | 919 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 919 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.