| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVAN GERSON3 | 321 NORTH CLARK STREEET SUITE 625 CHICAGO, IL 60654 | AFLAC | $3K | $240 | $3K | 13.00% |
| MJ INSURANCE3 Filed as: WAYNE UZARSKI AND VARIOUS AGENTS | 3046 ESTATE DRIVE OAKDALE, PA 15071 | AFLAC | $2K | $232 | $2K | 8.52% |
| DAVID A BLANK3 Filed as: DAVID A. BLANK | 758 MELBOURNE STREET PITTSBURGH, PA 15217 | AFLAC | $2K | $305 | $2K | 7.88% |
| LISA M STELLO3 Filed as: LISA M. STELLO | 1110 FOX POINTE DRIVE CHESWICK, PA 15024 | AFLAC | $1K | $156 | $1K | 5.16% |
| DOUGLAS KAMPER3 | 624 SUISMON STREET PITTSBURGH, PA 15212 | AFLAC | $917 | $150 | $1K | 4.35% |
| MARIO HAIFA3 Filed as: MARIO HAIPA | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $703 | $158 | $861 | 3.51% |
| LISA M STELLO3 Filed as: LISA M. STELLO | 1154 FOX POINTE DRIVE CHESWICK, PA 15024 | AFLAC | $434 | — | $434 | 1.77% |
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 | 286 | 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) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 268 | $1.1M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 375 | $83K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 268 | $1.1M |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 268 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.