| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE TACOMA, WA 98402 | UPMC HEALTH OPTIONS | $93K | $0 | $93K | 1.80% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 680 ANDERSEN DRIVE, SUITE 615 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $42K | $0 | $42K | 0.81% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $83K | $0 | $83K | 15.41% |
| JENNON M CARUTH3 Filed as: JENNON M. CARUTH | 1331 HEATHER COURT CHANHASSEN, MN 55317 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $47K | — | $47K | 8.81% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 680 ANDERSEN DRIVE, SUITE 615 PITTSBURGH, PA 15220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $27K | $27K | 5.04% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE TACOMA, WA 98402 | UPMC HEALTH BENEFITS | $20K | $0 | $20K | 6.36% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 680 ANDERSEN DRIVE, SUITE 615 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $8K | $0 | $8K | 2.59% |
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 | 971 | 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) | 971 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 872 | $5.5M |
| Dental(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 872 | $5.5M |
| Vision(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 872 | $5.5M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 971 | $536K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 971 | $536K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 971 | $536K |
| Prescription drug(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 872 | $5.5M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 971 | $536K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 971 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.