| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMPSON MCCRADY BENEFITS LLC3 | 310-330 GRANT ST STE 1320 PITTSBURGH, PA 15219 | UPMC HEALTH OPTIONS | $19K | — | $19K | 2.74% |
| SIMPSON MCCRADY BENEFITS LLC3 | 310-330 GRANT ST STE 1320 PITTSBURGH, PA 15219 | UPMC HEALTH OPTIONS | $6K | — | $6K | 2.75% |
| SIMPSON MCCRADY BENEFITS LLC3 | 310-330 GRANT ST STE 1320 PITTSBURGH, PA 15219 | UNION SECURITY INSURANCE COMPANY | $9K | $3K | $12K | 8.58% |
| SIMPSON MCCRADY BENEFITS LLC3 | 310-330 GRANT ST STE 1320 PITTSBURGH, PA 15219 | UPMC HEALTH OPTIONS | $507 | — | $507 | 3.82% |
| SIMPSON MCCRADY BENEFITS LLC3 | 310-330 GRANT ST STE 1320 PITTSBURGH, PA 15219 | UNION SECURITY INSURANCE COMPANY | $904 | — | $904 | 11.60% |
| SIMPSON MCCRADY BENEFITS LLC3 | 310-330 GRANT ST STE 1320 PITTSBURGH, PA 15219 | UPMC HEALTH OPTIONS | $107 | — | $107 | 2.75% |
| SIMPSON MCCRADY BENEFITS LLC3 | 310-330 GRANT ST STE 1320 PITTSBURGH, PA 15219 | UPMC HEALTH OPTIONS | $92 | — | $92 | 2.67% |
| SIMPSON MCCRADY BENEFITS LLC3 | 310-330 GRANT ST STE 1320 PITTSBURGH, PA 15219 | UPMC HEALTH OPTIONS | $198 | — | $198 | — |
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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | UPMC HEALTH OPTIONS | 204 | $939K |
| Dental | UNION SECURITY INSURANCE COMPANY | 148 | $135K |
| Vision | UNION SECURITY INSURANCE COMPANY | 148 | $135K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 148 | $143K |
| Short-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 148 | $143K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 148 | $135K |
| Other | UNION SECURITY INSURANCE COMPANY | 148 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.