| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS, LLC | 4507 N. FRONT ST. SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $139K | — | $139K | 1.95% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS, LLC | 669 RIVER DR CTR II STE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $7K | $8K | $15K | 9.48% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS, LLC | 669 RIVER DR. CTR. II STE. 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.43% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS, LLC | 4507 N. FRONT ST. SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $6K | — | $6K | 7.94% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS, LLC | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 9.87% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS, LLC | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN LIFE INSURANCE COMPANY | $2K | $2K | $4K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JEWISH COMM CTR OF GTR PITTSBURGH EIN 25-1094514 NONE | Other services; Direct payment from the plan Service code 49 | 5738 FORBES AVENUE, BOX 81980 PITTSBURGH, PA 15217 | $30K |
| GROSSMAN YANAK & FORD LLP EIN 25-1638525 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 444 LIBERTY AVENUE, SUITE 500 PITTSBURGH, PA 15222 | $19K |
| PRIME PAY NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 681 ANDERSON DR., FOSTER PLAZA 6 PITTSBURGH, PA 15220 | $5K |
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 | 669 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 904 | $7.1M |
| Dental | UPMC HEALTH BENEFITS | 391 | $72K |
| Vision | UPMC HEALTH BENEFITS | 391 | $72K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,303 | $155K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,303 | $213K |
| Long-term disability | THE LINCOLN LIFE INSURANCE COMPANY | 201 | $43K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,303 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,303 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.