| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LTC INSURANCE SERVICES LLC3 | 20 DONATI RD PITTSBURGH, PA 152411000 | BLUE CROSS BLUE SHIELD OF FLORIDA | $19K | — | $19K | 3.00% |
| LTC INSURANCE SERVICES LLC3 | 20 DONATI RD PITTSBURGH, PA 15241 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | — | $6K | 3.00% |
| LTC INSURANCE SERVICES LLC3 | 20 DONATI RD STE 300 PITTSBURGH, PA 15241 | SYMETRA LIFE INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| LTC INSURANCE SERVICES LLC3 Filed as: LTC INSURANCE SERVICES, LLC | 20 DONATI ROAD, SUITE 300 PITTSBURGH, PA 15241 | ADVANTICA INSURANCE COMPANY | $1K | — | $1K | 1.53% |
| LTC INSURANCE SERVICES LLC3 | 20 DONATI RD PITTSBURGH, PA 15241 | ADVANTICA INSURANCE COMPANY | $976 | — | $976 | 5.00% |
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 | 409 | 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) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ADVANTICA INSURANCE COMPANY | 293 | $97K |
| Vision | ADVANTICA INSURANCE COMPANY | 276 | $20K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 409 | $131K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 409 | $131K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 409 | $131K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 76 | $649K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 409 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.