| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GATEWAY BENEFITS DBA THE3 | 210 6TH AVE 30TH FL STE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 12.27% |
| EMPLOYER OPTIONS LLC3 | PO BOX 208 AMBRIDGE, PA 15003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.00% |
| GATEWAY BENEFITS DBA THE3 | 210 6TH AVE 30TH FL STE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $985 | $5K | 12.61% |
| EMPLOYER OPTIONS LLC3 | PO BOX 208 AMBRIDGE, PA 15003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $754 | — | $754 | 2.00% |
| GATEWAY BENEFITS DBA THE3 | 210 6TH AVE 30TH FL STE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $5K | 13.90% |
| EMPLOYER OPTIONS LLC3 | PO BOX 208 AMBRIDGE, PA 15003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $648 | — | $648 | 2.00% |
| GATEWAY BENEFITS DBA THE3 | 210 6TH AVE 30TH FL STE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $197 | $31 | $228 | 11.56% |
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 | 321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | UPMC HEALTH OPTIONS | 372 | $2.7M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 536 | $144K |
| Vision(3 contracts) | UPMC HEALTH BENEFITS | 437 | $31K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 305 | $38K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 277 | $83K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 277 | $32K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 14 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.