| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | UPMC HEALTH PLAN | $34K | — | $34K | 1.50% |
| KNEPPER INSURANCE GROUP3 Filed as: THE KNEPPER INSURANCE AGENCY INC | 221 WEST PATRIOT STREET SOMERSET, PA 15501 | UPMC HEALTH PLAN | $33K | — | $33K | 1.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | P O BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $5K | $30K | 7.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $4K | $24K | 7.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | P O BOX 13784 NEWARK, NJ 07188 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $14K | — | $14K | 4.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $31K | — | $31K | 10.91% |
| KNEPPER INSURANCE GROUP3 Filed as: THE KNEPPER INSURANCE AGENCY INC | 221 WEST PATRIOT STREET SOMERSET, PA 15501 | UPMC HEALTH PLAN | $5K | — | $5K | 2.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | UPMC HEALTH PLAN | $4K | — | $4K | 1.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | UPMC HEALTH PLAN | $3K | — | $3K | 1.57% |
| KNEPPER INSURANCE GROUP3 Filed as: THE KNEPPER INSURANCE AGENCY INC | 221 WEST PATRIOT STREET SOMERSET, PA 15501 | UPMC HEALTH PLAN | $3K | — | $3K | 1.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC PLACE SUITE 300 ROCKVILLE, MD 20854 | UPMC HEALTH PLAN | $7K | — | $7K | 4.72% |
| KNEPPER INSURANCE GROUP3 Filed as: THE KNEPPER INSURANCE AGENCY INC | 221 WEST PATRIOT STREET SOMERSET, PA 15501 | UPMC HEALTH PLAN | $5K | — | $5K | 3.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC | P O BOX 13784 NEWARK, NJ 07188 | VISION SERVICE PLAN | $5K | — | $5K | 4.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $334 | $3K | 6.70% |
| KNEPPER INSURANCE GROUP3 Filed as: THE KNEPPER INSURANCE AGENCY INC | 221 WEST PATRIOT STREET SOMERSET, PA 15501 | UPMC HEALTH PLAN | $671 | — | $671 | 1.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | UPMC HEALTH PLAN | $468 | — | $468 | 1.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $629 | $2K | 8.09% |
| KNEPPER INSURANCE GROUP3 Filed as: THE KNEPPER AGENCY INC | 221 W PATRIOT STREET SOMERSET, PA 15501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | P O BOX 13784 NEWARK, NJ 07188 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $3K | — | $3K | 9.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $394 | $1K | 8.08% |
| KNEPPER INSURANCE GROUP3 Filed as: THE KNEPPER AGENCY INC | 221 W PATRIOT STREET SOMERSET, PA 15501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $736 | — | $736 | 4.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | 12505 PARK POTOMAC AVE STE 300 POTOMAC, MD 20874 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $221 | $3K | 19.49% |
| THOMAS C SMITH3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $223 | — | $223 | 1.62% |
| ASHLEY L. DEMATTEO3 Filed as: ASHLEY DEMATTEO | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | UPMC HEALTH PLAN | $629 | — | $629 | 4.86% |
| KNEPPER INSURANCE GROUP3 Filed as: THE KNEPPER INSURANCE AGENCY INC | 221 WEST PATRIOT STREET SOMERSET, PA 15501 | UPMC HEALTH PLAN | $494 | — | $494 | 3.82% |
| KNEPPER INSURANCE GROUP3 Filed as: THE KNEPPER INSURANCE AGENCY INC | 221 WEST PATRIOT STREET SOMERSET, PA 15501 | UPMC HEALTH PLAN | $268 | — | $268 | 2.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | UPMC HEALTH PLAN | $221 | — | $221 | 2.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | P O BOX 13784 NEWARK, NJ 13784 | LEGALPLANS USA | — | $640 | $640 | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $166 | — | $166 | 6.00% |
| KNEPPER INSURANCE GROUP3 Filed as: THE KNEPPER INSURANCE AGENCY INC | 221 WEST PATRIOT STREET SOMERSET, PA 15501 | UPMC HEALTH PLAN | $83 | — | $83 | 4.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | UPMC HEALTH PLAN | $72 | — | $72 | 3.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | UPMC HEALTH PLAN | $72 | — | $72 | 5.82% |
| KNEPPER INSURANCE GROUP3 Filed as: THE KNEPPER INSURANCE AGENCY INC | 221 WEST PATRIOT STREET SOMERSET, PA 15501 | UPMC HEALTH PLAN | $42 | — | $42 | 3.39% |
| KNEPPER INSURANCE GROUP3 Filed as: THE KNEPPER INSURANCE AGENCY INC | 221 WEST PATRIOT STREET SOMERSET, PA 15501 | UPMC HEALTH PLAN | $49 | — | $49 | 4.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40 | — | $40 | 10.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | 155 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $347K |
| CBIZ BENEFITS & INSURANCE SERVICES EIN 31-1582098 ADMIN SUPPORT SERVICES | Direct payment from the plan; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | 175 S MAIN STREET SUITE 720 SALT LAKE CITY, UT 84111 | $161K |
| NETWORK ADMINISTRATORS D/B/A GSA EIN 11-3335620 ADMIN SUPPORT SERVICES | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Direct payment from the plan Service code 14 | 888 VETERANS MEMORIAL HWY SUITE 540 HAUPPAUGE, NY 11788 | $70K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS PROCESSING | Named fiduciary; Contract Administrator; Non-monetary compensation; Claims processing; Participant communication; Float revenue; Direct payment from the plan; Other services Service code 12 | 111 S CALVERT ST SUITE 1600 BALTIMORE, MD 21202 | $46K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 33-0052276 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 155 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $32K |
| FRYE & COMPANY, CPAS EIN 45-4199441 PLAN AUDITOR | Accounting (including auditing) Service code 10 | 9161 LIBERIA AVENUE SUITE 304 MANASSAS, VA 20110 | $24K |
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 | 1,813 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,813 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(16 contracts, 7 carriers) | USABLE MUTUAL INSURANCE COMPANY | 574 | $9.3M |
| Dental(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 214 | $902K |
| Vision(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 1,169 | $713K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 285 | $92K |
| Short-term disability(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 285 | $434K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $327K |
| Prescription drug | USABLE MUTUAL INSURANCE COMPANY | 574 | $5.6M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH & LIFE INSURANCE COMPANY | 214 | $29K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 214 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,169 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.