| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC. Filed as: HENDERSON BROTHERS INSURANCE AGENCY | 920 FORT DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | UPMC HEALTH PLAN | $17K | — | $17K | 4.11% |
| HENDERSON BROTHERS, INC. Filed as: HENDERSON BROTHERS INSURANCE AGENCY | 920 FORT DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $11K | 3.65% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INSURANCE AGENCY | 920 FORT DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $444 | $9K | 7.20% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INSURANCE AGENCY | 920 FORT DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $34 | $4K | 3.65% |
| HENDERSON BROTHERS, INC. Filed as: HENDERSON BROTHERS INSURANCE AGENCY | 920 FORT DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | UPMC HEALTH PLAN | $2K | — | $2K | 3.44% |
| HENDERSON BROTHERS, INC. Filed as: HENDERSON BROTHERS INSURANCE AGENCY | 920 FORT DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | UPMC HEALTH PLAN | $3K | — | $3K | 3.99% |
| HENDERSON BROTHERS, INC. Filed as: HENDERSON BROTHERS INSURANCE AGENCY | 920 FORT DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | UPMC HEALTH PLAN | $2K | — | $2K | 3.84% |
| HENDERSON BROTHERS, INC. Filed as: HENDERSON BROTHERS INSURANCE AGENCY | 920 FORT DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | UPMC HEALTH PLAN | $2K | — | $2K | 4.31% |
| HENDERSON BROTHERS, INC. Filed as: HENDERSON BROTHERS INSURANCE AGENCY | 920 FORT DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | UPMC HEALTH PLAN | $560 | — | $560 | 4.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UPMC HEALTH PLAN EIN 25-1769564 | Plan Administrator; Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 600 GRANT STREET PITTSBURGH, PA 15219 | $406K |
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 | 703 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 90 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 793 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | UPMC HEALTH PLAN | 1,274 | $595K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 653 | $297K |
| Vision(2 contracts) | UPMC HEALTH PLAN | 1,007 | $84K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 703 | $112K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 637 | $124K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 637 | $124K |
| Prescription drug(4 contracts) | UPMC HEALTH PLAN | 1,274 | $595K |
| Stop-loss / reinsurancereinsurance(4 contracts) | UPMC HEALTH PLAN | 1,274 | $595K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 703 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,274 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.