| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS KAMPER3 | 624 SUISMON STREET PITTSBURGH, PA 15212 | AFLAC | $7K | $450 | $8K | 8.85% |
| MJ INSURANCE3 Filed as: CHARLES MORALES AND VARIOUS AGENTS | 1011 GRANDVIEW AVENUE PITTSBURGH, PA 15211 | AFLAC | $7K | $184 | $7K | 8.26% |
| MEAGHAN CHRISTIN EGGER3 | 6919 MERTON ROAD PITTSBURGH, PA 15202 | AFLAC | $5K | $263 | $5K | 6.22% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE SUITE 230 PITTSBURGH, PA 15212 | AFLAC | $3K | $190 | $3K | 3.56% |
| CHARLES MORALES3 | 168 SOUTH 19TH STREET APT 202 PITTSBURGH, PA 15203 | AFLAC | $2K | $92 | $2K | 1.85% |
| MICHAEL FRANK MANNA3 | 53 MAPLEWOOD STREET PITTSBURGH, PA 15223 | AFLAC | $1K | $10 | $1K | 1.72% |
| BRYAN CHECHAK3 | 183 WASHINGTON STREET PITTSBURGH, PA 15223 | AFLAC | $1K | $62 | $1K | 1.72% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 285 | $1.4M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 293 | $64K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 157 | $10K |
| Life insurance | AFLAC | 148 | $87K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 285 | $1.4M |
| Other | AFLAC | 148 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.