| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: DOUGLAS KAMPER AND VARIOUS AGENTS | 624 SUISMON STREET PITTSBURGH, PA 15212 | AFLAC | $2K | — | $2K | 7.60% |
| THOMAS BUTTS3 | 1802 HOWELL STREET NORTH VERSAILLES, PA 15137 | AFLAC | $853 | — | $853 | 2.96% |
| JILL MARIE GERSON3 | 152 RACE STREET PITTSBURGH, PA 15218 | AFLAC | $603 | — | $603 | 2.09% |
| EVAN GERSON3 | 321 NORTH CLARK STREET, SUITE 625 CHICAGO, IL 60654 | AFLAC | $586 | — | $586 | 2.03% |
| LISA M STELLO3 Filed as: LISA M. STELLO | 1110 FOX POINTE DRIVE CHESWICK, PA 15024 | AFLAC | $564 | — | $564 | 1.96% |
| DAVID A BLANK3 Filed as: DAVID A. BLANK | 321 NORTH CLARK STREET, SUITE 625 CHICAGO, IL 60654 | AFLAC | $481 | — | $481 | 1.67% |
| LEE TENACE3 Filed as: LEE KRISTIAN TENACE | 321 NORTH CLARK STREET, SUITE 625 CHICAGO, IL 60654 | AFLAC | $474 | — | $474 | 1.64% |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 278 | $1.1M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 364 | $85K |
| Vision | EYEMED | 140 | $5K |
| Life insurance | AFLAC | 88 | $29K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 278 | $1.1M |
| Other | AFLAC | 88 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.
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.