| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRI-STATE UNION BENEFITS3 Filed as: TRI-STATE UNION BENEFITS CORP | 5624 201ST ST OAKLAND GARDENS, NY 11364 | RELIASTAR LIFE INSURANCE COMPANY | $155K | — | $155K | 8.01% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS, INC | 120A GILLS CREEK PKWY COLUMBIA, SC 29209 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 0.18% |
| CHARLIE PELUSO3 | 4081 BLOOMWOOD RD COLUMBIA, SC 29205 | RELIASTAR LIFE INSURANCE COMPANY | $22 | — | $22 | 0.00% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $36K | — | $36K | 2.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 101 PARK AVE FL 12 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $55 | $55 | 0.00% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $15K | — | $15K | 1.94% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $4K | — | $4K | 1.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 601 MERRITT 7 FL 5 NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.97% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC | PO BOX 593 HOLLIDAYSBURG, PA 16648 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 3.00% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $1K | — | $1K | 4.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | AXIS INSURANCE COMPANY | $1K | — | $1K | 25.01% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. PO BOX 197 HOLLIDAYSBURG, PA 16648 | HEALTH BENEFITS | $3 | — | $3 | 20.00% |
No Schedule C service providers reported on this filing.
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 | 2,874 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,924 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(19 contracts, 10 carriers) | UPMC HEALTH OPTIONS | 933 | $7.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,656 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,246 | $177K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 3,128 | $1.9M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 3,128 | $1.9M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 3,128 | $1.9M |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS, INC. | 933 | $224K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,128 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,128 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.