| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UNITED CONCORDIA INSURANCE COMPANY | $1K | — | $1K | 1.14% |
| ANDREA STEARNS3 | 2310 LONGCREST AVE BETHEL PARK, PA 15102 | AFLAC | $47K | $251 | $47K | 44.77% |
| AMANDA C LONG3 | 150 N MEADOWS DR WEXFORD, PA 15090 | AFLAC | $6K | — | $6K | 5.35% |
| RICHARD LOWMAN3 Filed as: RICHARD E LOWMAN II | 2310 LONGCREST AVE BETHEL PARK, PA 15102 | AFLAC | $644 | — | $644 | 0.61% |
| YONASAN ABRAHAM3 | 1 SPRINGBROOK DR JACKSON, NJ 08527 | AFLAC | $47 | — | $47 | 0.04% |
| CHARLES M SAYBEL3 Filed as: CHARLES MAX SAYBEL | 214 KAIDAN DR PITTSBURGH, PA 15215 | AFLAC | $23 | — | $23 | 0.02% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $19 | — | $19 | 0.02% |
| MARCI COHEN3 | 1155 SHORTLEAF CIRCLE SYKESVILLE, MD 21784 | AFLAC | $16 | — | $16 | 0.02% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, CT 28127 | AFLAC | $12 | — | $12 | 0.01% |
| JEFFREY M SATTERLEE3 | 4351 JAGER DR NE SUITE J RIO RANCHO, NM 87144 | AFLAC | $10 | — | $10 | 0.01% |
| MARK D STONER3 | 10170 CAPE ANN DR COLUMBIA, MD 21046 | AFLAC | $7 | — | $7 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD SUITE 300 WARRINGTON, PA 18976 | AFLAC | $7 | — | $7 | 0.01% |
| MICHAEL S CLISE3 | 3610 LITTLE CREEK RD HARMONY, PA 16037 | AFLAC | $6 | — | $6 | 0.01% |
| DANIEL C HARRIS3 | 413 OAK RIDGE CT MARS, PA 16046 | AFLAC | $5 | — | $5 | 0.00% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $4 | — | $4 | 0.00% |
| JONATHAN DAVID BESWARICK3 | 250 ESTATES DR GIBSONIA, PA 15044 | AFLAC | $3 | — | $3 | 0.00% |
| HEATHER BARTLEY3 | 120 MARGUERITE DR SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $2 | — | $2 | 0.00% |
| ANDREA STEARNS | 2310 LONGCREST AVE BETHEL PARK, PA 15102 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.18% |
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 | 918 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 918 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 244 | $2.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 261 | $118K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 240 | $17K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 918 | $126K |
| Short-term disability | AFLAC | 390 | $106K |
| Long-term disability | AFLAC | 390 | $106K |
| Other(2 contracts, 2 carriers) | AFLAC | 918 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 918 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.