| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 600 3RD AVENUE, FRONT 3 NEW YORK, NY 10016 | UNITEDHEALTHCARE INSURANCE COMPANY | $147K | $0 | $147K | 3.94% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $33K | $39K | 1.04% |
| ARK BENEFITS, INC.3 Filed as: ARK ADVISORS INC | 3004 AVENUE L BROOKLYN, NY 11210 | UNITEDHEALTHCARE INSURANCE COMPANY | -$61 | $0 | -$61 | -0.00% |
| JACOB SAFRIN3 Filed as: JACOB N. KOHL | 25 SLAVITA ROAD SPRING VALLEY, NY 10977 | FIRST UNUM LIFE INSURANCE COMPANY | $645 | $0 | $645 | 6.61% |
| MS BENEFITS3 | 100 CHALLENGER ROAD, SUITE 400 RIDGEFIELD PARK, NJ 07660 | AFLAC | $2K | $0 | $2K | 29.81% |
| JACK BITTEL3 | 129 MARION DRIVE MCMURRAY, PA 15317 | AFLAC | $534 | $0 | $534 | 6.85% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $399 | $0 | $399 | 5.12% |
| DANIEL C HARRIS3 | 413 OAK RIDGE COURT MARS, PA 16046 | AFLAC | $241 | $0 | $241 | 3.09% |
| MATTHEW R KIRKWOOD AND OTHER AGENTS3 | 337 FIELDSRUN ROAD NEW CASTLE, PA 15401 | AFLAC | $133 | $0 | $133 | 1.71% |
| COLIN PARKS3 | 201 GLEN ANDREWS DRIVE, APT B GLENSHAW, PA 15116 | AFLAC | $115 | $0 | $115 | 1.47% |
| JEFFREY CORREAL3 | 420 JENNY LANE UNIONTOWN, PA 15401 | AFLAC | $48 | $0 | $48 | 0.62% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 483 | $3.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 483 | $3.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 483 | $3.7M |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 259 | $18K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 259 | $18K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 483 | $3.7M |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 259 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.
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.