| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 4507 N. FRONT ST. SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $110K | $0 | $110K | 1.69% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN RD. STE 310 MELVILLE, NY 11747 | UNUM LIFE INSRUANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.03% |
| EMERSON REID LLC3 | 4507 N. FRONT ST. SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $4K | $0 | $4K | 7.68% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN LIFE INSURANCE COMPANY | $2K | $2K | $4K | 10.60% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN LIFE INSURANCE COMPANY | — | $2K | $2K | 4.51% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN LIFE INSURANCE COMPANY | $1K | $1K | $3K | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN LIFE INSURANCE COMPANY | — | $1K | $1K | 4.09% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $1K | $277 | $1K | 7.62% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN RD. STE 310 MELVILLE, NY 11747 | UNUM LIFE INSRUANCE COMPANY OF AMERICA | $686 | $0 | $686 | 4.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JEWISH COMMUNITY CENTER OF GREATER 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 | Accounting (including auditing); Direct payment from the plan Service code 10 | THREE GATEWAY CENTER, SUITE 1800 PITTSBURGH, PA 15222 | $16K |
| PRIMEPAY NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 681 ANDERSON DR. FOSTER PLAZA 6 PITTSBURGH, PA 15220 | $6K |
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 | 652 | 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) | 652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 927 | $6.5M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSRUANCE COMPANY OF AMERICA | 1,477 | $146K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN LIFE INSURANCE COMPANY | 1,477 | $56K |
| Long-term disability | THE LINCOLN LIFE INSURANCE COMPANY | 142 | $27K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSRUANCE COMPANY OF AMERICA | 1,477 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,477 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.