| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | UPMC HEALTH OPTIONS | $138K | — | $138K | 2.00% |
| MY BENEFIT ADVISOR LLC3 | 100 PINEWOOD LANE, SUITE 301 WARRENDALE, PA 15090 | UPMC HEALTH OPTIONS | $16K | — | $16K | 0.23% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | THE HARTFORD LIFE AND ACCIDENT | $7K | $645 | $8K | 5.45% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN LIFE INSURANCE COMPANY | — | $3K | $3K | 4.20% |
| MY BENEFIT ADVISOR LLC3 | 100 PINEWOOD LANE, SUITE 301 WARRENDALE, PA 15090 | THE LINCOLN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.49% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | THE LINCOLN LIFE INSURANCE COMPANY | $106 | $22 | $128 | 0.18% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | UPMC HEALTH BENEFITS | $4K | — | $4K | 8.78% |
| MY BENEFIT ADVISOR LLC3 | 100 PINEWOOD LANE, SUITE 301 WARRENDALE, PA 150907376 | UPMC HEALTH BENEFITS | $597 | — | $597 | 1.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JEWISH COMMUNITY CENTER OF GREATER EIN 25-1094514 NONE | Other services Service code 49 | 5738 FORBES AVENUE, BOX 81980 PITTSBURGH, PA 15217 | $30K |
| GROSSMAN YANAK & FORD LLP EIN 25-1638525 NONE | Accounting (including auditing) Service code 10 | THREE GATEWAY CENTER, SUITE 1800 PITTSBURGH, PA 15222 | $15K |
| PRIMEPAY NONE | Accounting (including auditing) Service code 10 | FOSTER PLAZA 6, 681 ANDERSON DRIVE PITTSBURGH, PA 15220 | $5K |
| BUCHANAN INGERSOLL & ROONEY PC NONE | Legal Service code 29 | 501 GRANT STREET PITTSBURGH, PA 15219 | $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 | 701 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 701 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 1,015 | $6.9M |
| Life insurance | THE HARTFORD LIFE AND ACCIDENT | 1,485 | $142K |
| Short-term disability(2 contracts, 2 carriers) | THE HARTFORD LIFE AND ACCIDENT | 1,485 | $213K |
| Long-term disability | THE LINCOLN LIFE INSURANCE COMPANY | 248 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,485 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.