| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREA STEARNS3 Filed as: ANDREA STERNS | PO BOX 323 BETHEL PARK, PA 15102 | AFLAC | $35K | $1K | $36K | 13.31% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 201 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $16K | $987 | $17K | 6.23% |
| MATTHEW STEARNS3 | 2310 LONGCREST AVE BETHEL PARK, PA 15101 | AFLAC | $7K | $1K | $9K | 3.18% |
| AMANDA C LONG3 Filed as: AMANDA LONG | 4225 N HONEYTOWN RD SMITHVILLE, OH 44677 | AFLAC | $1K | $522 | $2K | 0.60% |
| TWENTY EIGHT OTHERS3 | VARIOUS STREETS VARIOUS CITIES, PA 15317 | AFLAC | $1K | $265 | $1K | 0.50% |
| TRACEY ANZALDI3 | 505 NORTHGLEN CT GIBSONIA, PA 15044 | AFLAC | $1K | $0 | $1K | 0.40% |
| ERIC JOSEPH BELANCIC3 | 147 SENECA RD WHEELING, WV 26003 | AFLAC | $456 | $605 | $1K | 0.39% |
| JEFFREY CORREAL3 | 442 DUCK HOLLOW RD UNIONTOWN, PA 15401 | AFLAC | $873 | $182 | $1K | 0.39% |
| MATTHEW RYAN KIRKWOOD3 Filed as: MATTHEW KIRKWOOD | 337 FIELDSRUN RD NEW CASTLE, PA 16105 | AFLAC | $638 | $229 | $867 | 0.32% |
| DEREK P SMITH3 Filed as: DEREK SMITH | 801 PANORAMA DR DRIPPING SPRINGS, TX 78620 | AFLAC | $229 | $548 | $777 | 0.29% |
| PAUL FICK3 | 6929 RD FORT WAYNE, IN 46818 | AFLAC | $9 | $489 | $498 | 0.18% |
| MICHAEL S CLISE3 | 361 LITTLE CREEK RD HARMONY, PA 16037 | AFLAC | $384 | $19 | $403 | 0.15% |
| JOSEPH MORGAN3 | 11 WOODLAND DR WHEELING, WV 26003 | AFLAC | $121 | $276 | $397 | 0.15% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD, NJ 07407 | UNITED CONCORDIA COMPANIES, INC. | $1K | $0 | $1K | 0.83% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UNITED CONCORDIA COMPANIES, INC. | -$161 | $0 | -$161 | -0.12% |
| ANDREA STEARNS3 Filed as: ANDREA STERNS | 2310 LONGCREST AVE BETHEL PARK, PA 15102 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $67K | $0 | $67K | 62.83% |
| MATTHEW STEARNS3 | 2310 LONGCREST AVE BETHEL PARK, PA 15102 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 23.21% |
| MS BENEFITS3 | 100 CHALLENGER RD STE 105 RIDGEFIELD PK, NJ 07660 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $73 | $0 | $73 | 0.07% |
| ANDREA STEARNS3 Filed as: ANDREA STERNS | 2310 LONGCREST AVE BETHEL PARK, PA 15102 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.81% |
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 | 801 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 364 | $2.5M |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 439 | $137K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 434 | $19K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 707 | $402K |
| Short-term disability | AFLAC | 357 | $272K |
| Long-term disability | AFLAC | 357 | $272K |
| Other(2 contracts, 2 carriers) | AFLAC | 707 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.