| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL YOUR BENEFITS LLC3 | 10521 PERRY HWY SUITE 105 WEXFORD, PA 150909517 | UPMC HEALTH OPTIONS | $17K | — | $17K | 0.64% |
| ALL YOUR BENEFITS LLC3 | 10521 PERRY HWY SUITE 105 WEXFORD, PA 150909517 | UNITED CONCORDIA INSURANCE COMPANY | $5K | $457 | $6K | 3.68% |
| ALL YOUR BENEFITS LLC3 | 10521 PERRY HWY SUITE 105 WEXFORD, PA 15090 | UPMC HEALTH OPTIONS | $517 | — | $517 | 0.63% |
| ALL YOUR BENEFITS LLC3 | 10521 PERRY HWY SUITE 105 WEXFORD, PA 15090 | UPMC HEALTH OPTIONS | $27 | — | $27 | 0.06% |
| ALL YOUR BENEFITS LLC3 | 10521 PERRY HWY SUITE 105 WEXFORD, PA 150909517 | UPMC HEALTH BENEFITS | $968 | — | $968 | 2.52% |
| ALL YOUR BENEFITS LLC3 | 10521 PERRY HWY SUITE 105 WEXFORD, PA 150909517 | STANDARD INSURANCE COMPANY | $759 | — | $759 | 2.01% |
| GATEWAY BENEFITS DBA THE3 | 210 6TH AVE 30TH FL STE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| EMPLOYER OPTIONS LLC3 | PO BOX 208 AMBRIDGE, PA 15003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $550 | — | $550 | 2.00% |
| ALL YOUR BENEFITS LLC3 | 10521 PERRY HWY SUITE 105 WEXFORD, PA 150909517 | STANDARD INSURANCE COMPANY | $983 | — | $983 | 6.66% |
| ALL YOUR BENEFITS LLC3 | 10521 PERRY HWY SUITE 105 WEXFORD, PA 150909517 | STANDARD INSURANCE COMPANY | $671 | — | $671 | 5.28% |
| GATEWAY BENEFITS DBA THE3 | 210 6TH AVE 30TH FL STE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| EMPLOYER OPTIONS LLC3 | PO BOX 208 AMBRIDGE, PA 15003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $223 | — | $223 | 2.00% |
| GATEWAY BENEFITS DBA THE3 | 210 6TH AVE 30TH FL STE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $766 | — | $766 | 10.00% |
| EMPLOYER OPTIONS LLC3 | PO BOX 208 AMBRIDGE, PA 15003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $153 | — | $153 | 2.00% |
| ALL YOUR BENEFITS LLC3 | 10521 PERRY HWY SUITE 105 WEXFORD, PA 150909517 | UPMC HEALTH BENEFITS | $36 | — | $36 | 2.47% |
| ALL YOUR BENEFITS LLC3 | 10521 PERRY HWY SUITE 105 WEXFORD, PA 150909517 | UPMC HEALTH BENEFITS | $4 | — | $4 | 1.04% |
| GATEWAY BENEFITS DBA THE3 | 210 6TH AVE 30TH FL STE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7 | — | $7 | 9.72% |
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 | 332 | 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) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | UPMC HEALTH OPTIONS | 403 | $3.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 553 | $154K |
| Vision(3 contracts) | UPMC HEALTH BENEFITS | 485 | $40K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 326 | $20K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 326 | $65K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 326 | $26K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13 | $72 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.