| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | C/O NORTHERN TRUST BANK 75 REMITTANCE DRIVE CHICAGO, IL 60675 | CIGNA LIFE INSURANCE OF NORTH AMERICA | $104K | — | $104K | 31.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $660K |
| UPMC HEALTH PLAN EIN 25-1769564 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $35K |
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 | 1,120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 175 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HEALTHSPAN INTEGRATED PLAN | 1,163 | $640K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 2,511 | $764K |
| Vision(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 913 | $285K |
| Life insurance | CIGNA LIFE INSURANCE OF NORTH AMERICA | 5,056 | $327K |
| Short-term disability | CIGNA LIFE INSURANCE OF NORTH AMERICA | 5,056 | $327K |
| Long-term disability | CIGNA LIFE INSURANCE OF NORTH AMERICA | 5,056 | $327K |
| Prescription drug | CVS PHARMACY INC. | 1,009 | $3.4M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 968 | $358K |
| Other | CIGNA LIFE INSURANCE OF NORTH AMERICA | 5,056 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,056 | — |
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.