| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: ALYNN G. CERVONE AND VARIOUS AGENTS | 14220 CRESCENT LANE MEADVILLE, PA 16335 | AFLAC | $6K | $365 | $6K | 7.45% |
| DOUGLAS KAMPER3 | 624 SUISMON STREET PITTSBURGH, PA 15212 | AFLAC | $5K | $188 | $5K | 6.03% |
| MEAGHAN CHRISTIN EGGER3 | 6919 MERTON ROAD PITTSBURGH, PA 15202 | AFLAC | $4K | $180 | $4K | 5.29% |
| DONALD SIPPEL3 | 3750 SAXONBURG BOULEVARD PITTSBURGH, PA 15238 | AFLAC | $1K | $78 | $1K | 1.65% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE, SUITE 230 PITTSBURGH, PA 15212 | AFLAC | $1K | $0 | $1K | 1.60% |
| NICK BUZZELLI INSURANCE LLC3 | 155 CURTIS COURT PITTSBURGH, PA 15237 | AFLAC | $1K | $32 | $1K | 1.38% |
| BRYAN CHECHAK3 | 2213 MOUNT TROY ROAD PITTSBURGH, PA 15212 | AFLAC | $861 | $14 | $875 | 1.09% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 276 | $1.3M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 259 | $53K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 149 | $10K |
| Life insurance | AFLAC | 154 | $80K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 276 | $1.3M |
| Other | AFLAC | 154 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.