| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JILL MARIE GERSON AND VARIOUS AGENT3 | 152 RACE STREET PITTSBURGH, PA 15218 | AFLAC | $4K | $475 | $5K | 9.36% |
| JILL MARIE GERSON3 | 521 SALEM HEIGHTS DRIVE GIBSONIA, PA 15044 | AFLAC | $3K | $0 | $3K | 5.30% |
| MEAGHAN CHRISTIN EGGER3 | 6919 MERTON ROAD PITTSBURGH, PA 15202 | AFLAC | $2K | $0 | $2K | 3.89% |
| DOUGLAS KAMPER3 | 624 SUISMON STREET PITTSBURGH, PA 15212 | AFLAC | $2K | $126 | $2K | 3.62% |
| NICHOLAS BUZZELLI AND OTHER AGENTS3 Filed as: NICHOLAS JAMES BUZZELLI | 810 RIVER AVENUE, SUITE 230 PITTSBURGH, PA 15212 | AFLAC | $2K | $0 | $2K | 3.21% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE, SUITE 230 PITTSBURGH, PA 15212 | AFLAC | $1K | $143 | $1K | 2.92% |
| MEAGHAN CHRISTIN EGGER3 | 6919 MERTON ROAD PITTSBURGH, PA 15202 | AFLAC | $921 | $100 | $1K | 2.05% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 332 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 332 | $1.5M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 129 | $9K |
| Life insurance | AFLAC | 129 | $50K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 332 | $1.5M |
| Other | AFLAC | 129 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
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.