| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 4507 N. FRONT ST. SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $104K | $0 | $104K | 1.65% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN RD. STE 310 MELVILLE, NY 11747 | UNUM LIFE INSRUANCE COMPANY OF AMERICA | $5K | $0 | $5K | 4.63% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN RD. STE 310 MELVILLE, NY 11747 | UNUM LIFE INSRUANCE COMPANY OF AMERICA | $0 | $4K | $4K | 3.61% |
| EMERSON REID LLC3 | 4507 N. FRONT ST. SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $4K | $0 | $4K | 7.77% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN LIFE INSURANCE COMPANY | $2K | $2K | $4K | 9.82% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN LIFE INSURANCE COMPANY | $2K | $2K | $3K | 10.00% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN RD. STE 310 MELVILLE, NY 11747 | UNUM LIFE INSRUANCE COMPANY OF AMERICA | $0 | $1K | $1K | 5.32% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN RD. STE 310 MELVILLE, NY 11747 | UNUM LIFE INSRUANCE COMPANY OF AMERICA | $957 | $0 | $957 | 4.25% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $929 | $303 | $1K | 26.53% |
| 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 | Accounting (including auditing); Direct payment from the plan Service code 10 | THREE GATEWAY CENTER, SUITE 1800 PITTSBURGH, PA 15222 | $17K |
| PRIME PAY 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 | 664 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 668 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 934 | $6.3M |
| Dental | UPMC HEALTH BENEFITS | 466 | $52K |
| Vision | UPMC HEALTH BENEFITS | 466 | $52K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSRUANCE COMPANY OF AMERICA | 480 | $143K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN LIFE INSURANCE COMPANY | 104 | $50K |
| Long-term disability | THE LINCOLN LIFE INSURANCE COMPANY | 169 | $33K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSRUANCE COMPANY OF AMERICA | 480 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 934 | — |
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.