| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS KAMPER3 | 624 SUISMON STREET PITTSBURGH, PA 15212 | AFLAC | $6K | $84 | $6K | 8.05% |
| NICHOLAS BUZZELLI AND OTHER AGENTS3 | 810 RIVER AVENUE, SUITE 230 PITTSBURGH, PA 15212 | AFLAC | $5K | $355 | $5K | 6.75% |
| MEAGHAN CHRISTIN EGGER3 | 6919 MERTON ROAD PITTSBURGH, PA 15202 | AFLAC | $3K | $129 | $4K | 4.71% |
| CHARLES MORALES3 | 168 SOUTH 19TH STREET APARTMENT 202 PETTSBURGH, PA 15203 | AFLAC | $3K | $30 | $3K | 3.69% |
| GROUP BENEFITS LTD3 Filed as: GROUP | 810 RIVER AVENUE, SUITE 230 PITTSBURGH, PA 15212 | AFLAC | $2K | $130 | $2K | 2.98% |
| JAMES LAMB3 | 3335 PIEDMONT AVENUE PITTSBURGH, PA 15216 | AFLAC | $802 | $0 | $802 | 1.07% |
| ALYNN G CERVONE3 Filed as: ALYNN G. CERVONE | 14220 CRESCENT LANE MEADVILLE, PA 16335 | AFLAC | $757 | $45 | $802 | 1.07% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 356 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 356 | $1.6M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 137 | $9K |
| Life insurance | AFLAC | 190 | $75K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 356 | $1.6M |
| Other | AFLAC | 190 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.