| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS KAMPER3 | 624 SUISMON STREET PITTSBURGH, PA 15212 | AFLAC | $8K | $134 | $8K | 8.64% |
| MJ INSURANCE Filed as: MATTHEW DONOVAN & VARIOUS AGENTS | 352 MOUNT JOY ROAD MOUNT PLEASANT, PA 15666 | AFLAC | $6K | $223 | $6K | 6.45% |
| TRAVIS ALBERT LING3 | 243 TAMARACK DRIVE MARS, PA 16046 | AFLAC | $3K | $13 | $3K | 3.60% |
| JOSHUA PINAROC3 | 960 WHITLEY DRIVE PITTSBURGH, PA 15237 | AFLAC | $3K | $45 | $3K | 3.57% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE, SUITE 230 PITTSBURGH, PA 15212 | AFLAC | $2K | $106 | $2K | 2.56% |
| DONALD SIPPEL3 | 3750 SAXONBURG BOULEVARD PITTSBURGH, PA 15238 | AFLAC | $2K | $27 | $2K | 2.09% |
| BRYAN CHECHAK3 | 2213 MOUNT TROY ROAD PITTSBURGH, PA 15212 | AFLAC | $1K | $17 | $1K | 1.56% |
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 | 217 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 302 | $1.4M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 288 | $59K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 149 | $13K |
| Life insurance | AFLAC | 150 | $93K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 302 | $1.4M |
| Other | AFLAC | 150 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.