| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $14K | — | $14K | 1.15% |
| BAYFRONT BENEFIT SOLUTIONS3 | 1032 WEST 38TH STREET ERIE, PA 16508 | UPMC HEALTH OPTIONS | $10K | — | $10K | 0.83% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERV INC | PO BOX 28 DUBUQUE, IA 520016822 | UNITED HEALTHCARE INSURANCE COMPANY | $38K | — | $38K | 6.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $5K | $29K | 12.48% |
| COTTINGHAM & BUTLER3 | 300 SECURITY BUILDING DUBUQUE, IA 52001 | WYSSTA INSURANCE COMPANY INC | $4K | — | $4K | 10.85% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANC | PO BOX 28 DUBUQUE, IA 52004 | SYMETRA LIFE INSURANCE COMPANY | $236 | — | $236 | 1.69% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $202 | — | $202 | 2.31% |
| BAYFRONT BENEFIT SOLUTIONS3 | 1032 WEST 38TH STREET ERIE, PA 16508 | UPMC HEALTH BENEFITS | $147 | — | $147 | 1.68% |
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 | 672 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 676 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UPMC HEALTH OPTIONS | 156 | $1.9M |
| Vision(3 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 289 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 581 | $247K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 581 | $247K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 581 | $247K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 581 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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.