| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST COMMONWEALTH INSURANCE AGENCY3 | 654 PHILADELPHIA ST. INDIANA, PA 15701 | UPMC HEALTH OPTIONS | $35K | — | $35K | 2.74% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | — | UNITED CONCORDIA INSURANCE COMPANY | $4K | $510 | $5K | 15.21% |
| FIRST COMMONWEALTH INSURANCE AGENCY3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 8.54% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $105 | $105 | 0.39% |
| FIRST COMMONWEALTH INSURANCE AGENCY3 | 654 PHILADELPHIA STREET INDIANA, PA 15701 | VISION BENEFITS OF AMERICA | $725 | — | $725 | 5.04% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD, SUITE 200 HAUPPAUGE, NY 11788 | VISION BENEFITS OF AMERICA | $569 | — | $569 | 3.96% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 193 | $1.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 185 | $32K |
| Vision | VISION BENEFITS OF AMERICA | 79 | $14K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 94 | $27K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 94 | $27K |
| Prescription drug | UPMC HEALTH OPTIONS | 193 | $1.3M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 94 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.