| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICIA M CUMMINGS3 | 1190 BUCKNELL DR MONROEVILLE, PA 15146 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $8K | $25K | 8.94% |
| M. SUZANNE TRACEY & ASSOCIATES3 | 1190 BUCKNELL DRIVE MONROEVILLE, PA 15146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 5.46% |
| TAMMY A MORGART3 Filed as: TAMMY A. MORGART | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $547 | $7K | 5.33% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY SLATER | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $316 | $2K | 1.31% |
| LISA M BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | $221 | $441 | 0.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRACEY & ASSOCIATES EIN 45-4468102 NONE | Consulting (general) Service code 16 | — | $25K |
| DICLAUDIO & KRAMER, LLC EIN 27-0889793 NONE | Accounting (including auditing) Service code 10 | — | $17K |
| STEPHEN O'BRIEN & ASSOCIATES EIN 25-1884429 NONE | Legal Service code 29 | — | $8K |
| JAMES M. LARSON & ASSOCIATES, INC. EIN 25-1451761 NONE | Consulting (general) Service code 16 | — | $6K |
| HUMAN RESOURCES AMERICA, INC. CUSTODIAN | Soft dollars commissions; Float revenue; Custodial (securities); Investment management fees paid directly by plan Service code 19 | P.O. BOX 8 HOUSTON, PA 15342 | $5K |
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 | 404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 139 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 562 | $3.5M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 359 | $280K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 359 | $280K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 359 | $417K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 76 | $138K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 76 | $138K |
| Prescription drug(5 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 410 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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.
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.