| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN ROAD MANOR OAK TWO, SUITE 800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $29K | — | $29K | 4.19% |
| LIBERTY FINANCIAL SERVICES3 | 1910 COCHRAN ROAD MANOR OAK TWO, SUITE 800 PITTSBURGH, PA 15220 | NATIONWIDE INSURANCE | $26K | — | $26K | 21.06% |
| WORKSITE BENEFIT SOLUTIONS INC3 Filed as: WORKSITE BENEFIT SOLUTIONS | 301 N MAIN STREET WINSTON SALEM, NC 27101 | NATIONWIDE INSURANCE | $2K | — | $2K | 1.62% |
| DANIEL DESTEFANO3 | 128 GOLF VIEW DRIVE MCMURRAY, PA 15317 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 6.84% |
| LIBERTY FINANCIAL SERVICES3 Filed as: LIBERTY FINANCIAL SERVICES INC | 1910 COCHRAN ROAD MANOR OAK TWO, SUITE 800 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.83% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.24% |
| DANIEL DESTEFANO3 | 128 GOLF VIEW DRIVE MCMURRAY, PA 15317 | VISION BENEFITS OF AMERICA | $528 | — | $528 | 7.38% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 208 | $816K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 216 | $95K |
| Vision | VISION BENEFITS OF AMERICA | 216 | $7K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 216 | $95K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 216 | $95K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 216 | $95K |
| Prescription drug(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 208 | $816K |
| Other | NATIONWIDE INSURANCE | 208 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.