| 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 | $134K | $0 | $134K | 1.98% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS, LLC | 669 RIVER DR CTR II STE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $6K | $7K | $13K | 9.42% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS, LLC | 669 RIVER DR. CTR. II STE. 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | — | $708 | $708 | 0.51% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS, LLC | 4507 N. FRONT ST. SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $5K | $0 | $5K | 7.68% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS, LLC | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN LIFE INSURANCE COMPANY | $3K | $3K | $5K | 9.84% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS, LLC | 669 RIVER DR. CTR. II STE. 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN LIFE INSURANCE COMPANY | — | $2K | $2K | 4.20% |
| 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% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS, LLC | 669 RIVER DR CTR II STE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN LIFE INSURANCE COMPANY | — | $2K | $2K | 4.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JEWISH COMM CTR OF GTR PITTSBURGH EIN 25-1094514 NONE | Direct payment from the plan; 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); Direct payment from the plan Service code 10 | THREE GATEWAY CENTER, SUITE 1800 PITTSBURGH, PA 15222 | $18K |
| 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 | $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 | 672 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 956 | $6.8M |
| Dental | UPMC HEALTH BENEFITS | 448 | $64K |
| Vision | UPMC HEALTH BENEFITS | 448 | $64K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,286 | $140K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,286 | $192K |
| Long-term disability | THE LINCOLN LIFE INSURANCE COMPANY | 186 | $37K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,286 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,286 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.