| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVAN GERSON3 | 521 SALEM HEIGHTS DRIVE GIBSONIA, PA 15044 | AFLAC | $60 | — | $60 | 3.14% |
| FREDERICK L ROSE3 | 3631 PUTTER POINT LANE FORT MYERS, FL 33919 | AFLAC | $27 | — | $27 | 1.42% |
| JOSEPH J. JOYCE ASSOCIATES3 Filed as: JOSEPH J JOYCE ASSOC INC | 9 N MAIN STREET PITTSTON, PA 18640 | AFLAC | $25 | — | $25 | 1.31% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR CRANBERRY TOWNSHIP, PA 16086 | AFLAC | $11 | — | $11 | 0.58% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVE INDIANA, PA 15701 | AFLAC | $8 | — | $8 | 0.42% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $6 | — | $6 | 0.31% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $4 | — | $4 | 0.21% |
| JAMES BRADLEY SEIFERT3 | 157 MCCOY PLACE RD SEWICKLEY, PA 15143 | AFLAC | $3 | — | $3 | 0.16% |
| MICHAEL FLEMING3 | 11186 BROKERS LANE IRWIN, PA 15642 | AFLAC | $2 | — | $2 | 0.10% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN RD PITTSBURGH, PA 15237 | AFLAC | $1 | — | $1 | 0.05% |
| MARIO HAIFA3 | 216 WARWICK DRIVE PITTSBURGH, PA 15241 | AFLAC | $1 | — | $1 | 0.05% |
| JOHN P FRICK3 | 724 HIGH STREET DUNBAR, PA 15431 | AFLAC | $1 | — | $1 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CREATIVE BENEFITS INC. NONE | Contract Administrator Service code 13 | 3809 WEST CHESTER PIKE NEWTOWN SQUARE, PA 19073 | $22K |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 114 | $45K |
| Vision | VISION BENEFITS OF AMERICA | 66 | $10K |
| Short-term disability | AFLAC | 3 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.