| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROVIDENCE HEALTH BENEFITS, INC3 Filed as: PROVIDENCE HEALTH BENEFITS, INC. | 100 GLOBAL VIEW DR STE 300 WARRENDALE, PA 15086 | UPMC HEALTH OPTIONS | $71K | — | $71K | 2.00% |
| PROVIDENCE HEALTH BENEFITS, INC3 Filed as: PROVIDENCE HEALTH BENEFITS, INC. | 100 GLOBAL VIEW DR STE 500 WARRENDALE, PA 15086 | PRINCIPAL LIFE INSURANCE COMPANY | $26K | $7K | $33K | 9.32% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | — | -$16 | -$16 | -0.00% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 280 | $3.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 360 | $356K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 360 | $356K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 360 | $356K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 360 | $356K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 360 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.