| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH J. JOYCE ASSOCIATES3 | 9 NORTH MAIN ST PITTSTON, PA 186401836 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 14.33% |
| JOSEPH J. JOYCE ASSOCIATES3 | 9 NORTH MAIN ST PITTSTON, PA 186401836 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.16% |
| EVAN GERSON3 | 321 N CLARK ST CHICAGO, IL 60654 | AFLAC | $82 | — | $82 | 2.87% |
| JAMES BRADLEY SEIFERT3 | 157 MCCOY PLACE ROAD SEWICKLEY, PA 15143 | AFLAC | $38 | — | $38 | 1.33% |
| FREDERICK L ROSE3 Filed as: FREDERICK L. ROSE | 3631 PUTTER POINT LANE FORT MEYERS, FL 33919 | AFLAC | $35 | — | $35 | 1.22% |
| JOSEPH J. JOYCE ASSOCIATES3 | 9 NORTH MAIN ST PITTSTON, PA 18640 | AFLAC | $31 | — | $31 | 1.08% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $17 | — | $17 | 0.59% |
| JESSICA L. BOOTH3 | 125 UNION ST. PITTSTON, PA 18640 | AFLAC | $14 | — | $14 | 0.49% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVENUE INDIANA, PA 15701 | AFLAC | $13 | — | $13 | 0.45% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $6 | — | $6 | 0.21% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $5 | — | $5 | 0.17% |
| THE TORRES GROUP LLC3 | 1750 FARMINGTON CIRCLE WELLINTON, TN 37918 | AFLAC | $3 | — | $3 | 0.10% |
| MICHAEL H FLEMING3 | 11186 BROKERS LANE IRWIN, PA 15642 | AFLAC | $3 | — | $3 | 0.10% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN RD PITTSBURGH, PA 15237 | AFLAC | $2 | — | $2 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CREATIVE BENEFITS INC. NONE | Contract Administrator Service code 13 | 3809 WEST CHESTER PIKE NEWTOWN SQUARE, PA 19073 | $24K |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 65 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 123 | $24K |
| Short-term disability | AFLAC | 6 | $3K |
| Long-term disability | STANDARD INSURANCE COMPANY | 123 | $27K |
| Other | AFLAC | 6 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.