Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
HealthRxPPO | HealthRxPPO | |
Broker: Buck Global LLC STDLTD | STDLTD | |
DentalPPO | DentalPPO | |
VisionPPO | VisionPPO | |
Broker: Buck Global LLC LifeOther | LifeOther |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 13 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 582 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 583 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | UPMC HEALTH OPTIONS | 927 | $8.9M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 1,115 | $374K |
| Vision(3 contracts) | UPMC HEALTH BENEFITS | 1,232 | $117K |
| Life insurance | METROPOLITAN LIFE INSURANCE | 466 | $70K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 830 | $560K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 830 | $560K |
| Prescription drug(6 contracts) | UPMC HEALTH OPTIONS | 927 | $8.9M |
| Other | METROPOLITAN LIFE INSURANCE | 466 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,232 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Hartford Life and Accident | |
Carrier: Metropolitan Life Insurance |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CDS ADMINISTRATORS, INC. EIN 25-1352803 NONE | Contract Administrator Service code 13 | — | $81K |
| BUCK GLOBAL, LLC NONE | Consulting (general) Service code 16 | 11 STANWIX STREET PITTSBURGH, PA 15222 | $30K |
| DICLAUDIO & KRAMER, LLC EIN 27-0889793 NONE | Accounting (including auditing) Service code 10 | — | $16K |
| MARINER INSTITUTIONAL, LLC EIN 59-3676225 NONE | Investment advisory (plan) Service code 27 | — | $14K |
| AMERISERV TRUST & FIN'L SVCS CO NONE | Custodial (securities); Investment management fees paid indirectly by plan Service code 19 | 216 FRANKLIN STREET JOHNSTOWN, PA 15907 | $11K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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10 filings · 2016 to 2025