| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS KAMPER3 | 624 SUISMON STREET PITTSBURGH, PA 15212 | AFLAC | $16K | $420 | $17K | 9.87% |
| NICK BUZZELLI INSURANCE LLC3 | 155 CURTIS COURT PITTSBURGH, PA 15237 | AFLAC | $9K | $152 | $9K | 5.41% |
| TIMOTHY RAETZ AND OTHER AGENTS3 | 418 INWOOD ROAD TRAFFORD, PA 15085 | AFLAC | $8K | $406 | $8K | 5.01% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE, SUITE 230 PITTSBURGH, PA 15212 | AFLAC | $6K | $232 | $6K | 3.43% |
| BRYAN CHECHAK3 | 2213 MOUNT TROY ROAD PITTSBURGH, PA 15212 | AFLAC | $4K | $83 | $5K | 2.73% |
| JFP AND ASSOCIATES LLC3 | 960 WHITLEY DRIVE PITTSBURGH, PA 15237 | AFLAC | $4K | $36 | $4K | 2.25% |
| YITZCHOK DOVID RAFKIN3 | 5517 WOODMONT STREET PITTSBURGH, PA 15217 | AFLAC | $4K | $10 | $4K | 2.22% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 358 | $1.8M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 339 | $70K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 265 | $35K |
| Life insurance | AFLAC | 302 | $168K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 358 | $1.8M |
| Other | AFLAC | 302 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.