| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UPMC HEALTH OPTIONS | $63K | — | $63K | 1.39% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC. | $69K | — | $69K | 1.61% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $23K | — | $23K | 1.66% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | — | $57K | $57K | 6.00% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $12K | $39K | 5.40% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 1.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3620 BIRCH ST. NEWPORT BEACH, CA 92660 | FEDERAL INSURANCE COMPANY | — | $559 | $559 | 1.30% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | UPMC HEALTH OPTIONS | $68 | — | $68 | 1.27% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UPMC HEALTH OPTIONS | -$35 | — | -$35 | — |
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 | 1,749 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,784 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 625 | $10.3M |
| Vision | VISION SERVICE PLAN | 1,484 | $247K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,583 | $724K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 720 | $513K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,680 | $946K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,389 | $809K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,389 | — |
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.