| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NATIONAL INSURANCE AGENCY3 | 1 N SHORE CTR SUITE 405 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $29K | — | $29K | 2.52% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS INS GROUP | 965 GREENTREE RD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $6K | — | $6K | 0.49% |
| FIRST NATIONAL INSURANCE AGENCY3 | 1 N SHORE CTR SUITE 405 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $29K | — | $29K | 2.52% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS INS GROUP | 965 GREENTREE RD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $6K | — | $6K | 0.49% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | 800 MAIN ST DUBUQUE, IA 52001 | MEDICAL MUTUAL OF OHIO | $11K | — | $11K | 2.37% |
| BENCO OF WISCONSIN INC3 Filed as: BENCO OF WI INC | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 530455876 | HUMANA INSURANCE COMPANY | $10K | $2K | $12K | 3.60% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | 800 MAIN ST DUBUQUE, IA 52001 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 0.33% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $7K | $41K | 13.19% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.61% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 520040028 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 9.92% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD #100 BROOKFIELD, WI 53045 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $618 | $2K | 10.52% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | 800 MAIN ST DUBUQUE, IA 52001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.35% |
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 | 588 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 155 | $3.1M |
| Vision(3 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 731 | $2.4M |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $408K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $387K |
| Long-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $408K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $387K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 731 | — |
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."
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.