| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT RESOURCES | 900 CIR 75 PKWY SE ATLANTA, GA 30339 | GRANULAR INSURANCE COMPANY | — | $65K | $65K | 3.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL THREE RIVERS | 210 6TH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | GRANULAR INSURANCE COMPANY | $52K | — | $52K | 2.78% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | GRANULAR INSURANCE COMPANY | $25K | — | $25K | 1.34% |
| EZI INSURANCE SOLUTIONS3 | 15 IMPERIAL DR. GREENVILLE, PA 16125 | AFLAC | $4K | $122 | $4K | 3.16% |
| THOMAS GERALD WALDRON3 | PO BOX 210 CONNEAUT LAKE, PA 16316 | AFLAC | $4K | — | $4K | 2.99% |
| JUDY LYNN PHILLIPS3 | 18757 GOSPEL HILL RD. SAEGERTOWN, PA 16433 | AFLAC | $2K | $86 | $2K | 1.19% |
| LINDA M NEARHOOF3 | 3610 SCARBORO RD. ERIE, PA 16506 | AFLAC | $1K | — | $1K | 0.97% |
| CLAIRE B WALDRON3 | PO BOX 210 CONNEAUT LAKE, PA 16316 | AFLAC | $1K | — | $1K | 0.96% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $814 | $34 | $848 | 0.61% |
| BILLY M CRAIN3 | 8990 WENTLETRAP AVE PORT ST JOE, FL 32456 | AFLAC | $666 | — | $666 | 0.48% |
| RONALD PUSZ3 Filed as: RONALD W PUSZ | 18282 TECHNOLOGY DR. STE 205 MEADVILLE, PA 16335 | AFLAC | $657 | — | $657 | 0.47% |
| CHRIS J BROCIOUS3 | 20100 GRANGE CENTER RD. SAEGERTOWN, PA 16433 | AFLAC | $506 | — | $506 | 0.37% |
| MICHELLE H KELLEY3 | 2411 W 26TH ST ERIE, PA 16506 | AFLAC | $434 | — | $434 | 0.31% |
| JAMES R MOYER3 | 187 BEACH ST. LINESVILLE, PA 16424 | AFLAC | $380 | — | $380 | 0.27% |
| MARILYN WYMAN3 | 203 AIKEN ROAD NEW CASTLE, PA 16101 | AFLAC | $350 | — | $350 | 0.25% |
| STEVEN A TORRES3 | 800 N MAIN ST MEADVILLE, PA 16335 | AFLAC | $343 | — | $343 | 0.25% |
| MARY B MCCRAW3 | 134 LARGO LN HENDERSONVILLE, NC 28792 | AFLAC | $309 | — | $309 | 0.22% |
| TIMOTHY R QUINLAN3 | PO BOX 387 CONNOQUENESSING, PA 16027 | AFLAC | $276 | — | $276 | 0.20% |
| MICHAEL WORLEY3 | 20240 BOCKMAN HOLLOW RD. SAEGERTOWN, PA 16433 | AFLAC | $241 | — | $241 | 0.17% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $232 | — | $232 | 0.17% |
| MICHAEL J MEOLA3 | PO BOX 82 SPRINGBORO, PA 16435 | AFLAC | $228 | — | $228 | 0.16% |
| RAINA TOKAR3 | 15 IMPERIAL DR. GREENVILLE, PA 16125 | AFLAC | $179 | — | $179 | 0.13% |
| KRISTIN LYNN KIRILA3 | 426 S MAIN ST. GREENVILLE, PA 16125 | AFLAC | $153 | — | $153 | 0.11% |
| LAURA SUZANNE MCKAIN3 | 19420 US HWY 6 AND 19 N SAEGERTOWN, PA 16433 | AFLAC | $140 | — | $140 | 0.10% |
| JANICE C BOYD3 | 586 OAK GROVE RD FLAT ROCK, NC 28731 | AFLAC | $108 | — | $108 | 0.08% |
| CHARLES E ALEXANDER3 | 2705 EMPY TRL CONWAY, AR 72034 | AFLAC | $103 | — | $103 | 0.07% |
| SHARI LEARISH3 | 524 E 11TH ST CLEARFIELD, PA 16830 | AFLAC | $97 | — | $97 | 0.07% |
| ALYNN G CERVONE3 | 14220 CRESCENT LN. MEADVILLE, PA 16335 | AFLAC | $88 | — | $88 | 0.06% |
| DIANE M WORLEY3 | 20240 BOCKMAN HOLLOW RD. SAEGERTOWN, PA 16433 | AFLAC | $83 | — | $83 | 0.06% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR. STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $81 | — | $81 | 0.06% |
| MATTHEW S MCCLAY3 | 1086 MANSFIELD AVE INDIANA, PA 15701 | AFLAC | $75 | — | $75 | 0.05% |
| SUSAN RUSSELL3 | 120 ROCKWOOD DR. HENDERSONVILLE, NC 28792 | AFLAC | $67 | — | $67 | 0.05% |
| THE DJB GROUP3 Filed as: THE DJB GROUP INC. | 262 CHESTNUT ST. STE 200 MEADVILLE, PA 16335 | AFLAC | $51 | — | $51 | 0.04% |
| ROBERT E SHREVE3 | 2316 MIDLAND DR. ERIE, PA 16505 | AFLAC | $46 | — | $46 | 0.03% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $44 | — | $44 | 0.03% |
| MYKA LEANNA DAVIS3 | 3865 MOREFIELD RD. HERMITAGE, PA 16148 | AFLAC | $29 | $12 | $41 | 0.03% |
| TYE ELLIOTT3 | 2315 W PINNACLE DR. DUNLAP, IL 61525 | AFLAC | $23 | — | $23 | 0.02% |
| LINDA J LAYBER3 Filed as: LINDA JEAN LAYBER | 36345 SILVER MAPLE LN OCONOMOWOC, WI 53066 | AFLAC | $23 | — | $23 | 0.02% |
| KARGES BENEFITS CONSULT GROUP LLC3 | 7750 BLAZY RD EDINBORO, PA 16412 | AFLAC | $22 | — | $22 | 0.02% |
| JAMES DAVID PORTERFIELD3 | PO BOX 3041 ELKINS, WV 26241 | AFLAC | $20 | — | $20 | 0.01% |
| JOHN LUTHER HEAPS3 | 5140 CIDER MILL RD ERIE, PA 16509 | AFLAC | $20 | — | $20 | 0.01% |
| MARY KAYE WASHO3 | 24956 WOLF BAY TER ORANGE BEACH, AL 36561 | AFLAC | $20 | — | $20 | 0.01% |
| JAMES G BRANDT3 | 47 MARVIN ST PORT MATILDA, PA 16870 | AFLAC | $19 | — | $19 | 0.01% |
| LEE PHYLLIS PRESTOPINE3 | 194 HICKORY VIEW DR NEW CASTLE, PA 16102 | AFLAC | $18 | — | $18 | 0.01% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN RD PITTSBURGH, PA 15237 | AFLAC | $18 | — | $18 | 0.01% |
| PATSY A BLANTON3 | 41 HIDDEN CONNOR HOLW SYLVA, NC 28779 | AFLAC | $14 | — | $14 | 0.01% |
| DAVID R REICHARD3 | 4627 IDYLLBROOK VILLAGE CT ERIE, PA 16506 | AFLAC | $12 | — | $12 | 0.01% |
| DANIEL E TORRES3 | 301 JAMESON CT SEVEN FIELDS, PA 16046 | AFLAC | $12 | — | $12 | 0.01% |
| JENNIFER R LOGAN3 | 17093 BEAVER CENTER RD LINESVILLE, PA 16424 | AFLAC | $10 | — | $10 | 0.01% |
| SCOTT B LEE3 | 390 CONCORD DR. BROOKFIELD, WI 53005 | AFLAC | $10 | — | $10 | 0.01% |
| KAYLIE A LING3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $9 | — | $9 | 0.01% |
| DAVID G BAKER3 | 1531 SUNFLOWER FIELD PL MATTHEWS, NC 28104 | AFLAC | $9 | — | $9 | 0.01% |
| DENNIS L HULSE3 | 240 PARALLEL ST PLEASANTVILLE, PA 16341 | AFLAC | $8 | — | $8 | 0.01% |
| JOHN M WASHO3 | 24956 WOLF BAY TER ORANGE BEACH, AL 36561 | AFLAC | $7 | — | $7 | 0.01% |
| SHARON R GRANT3 | 96 SILVER OAKS CIR APT 1104 NAPLES, FL 34119 | AFLAC | $6 | — | $6 | 0.00% |
| JOYCE A AITKEN3 | 9530 PETTIS RD MEADVILLE, PA 16335 | AFLAC | $5 | — | $5 | 0.00% |
| HCM BENEFITS SERVICES LLC3 | 540 UNIVERSITY AVE STE 50 PALO ALTO, CA 94301 | AFLAC | $4 | — | $4 | 0.00% |
| KRISTIN J QUINLAN3 | PO BOX 387 CONNOQUENESSING, PA 16027 | AFLAC | $3 | — | $3 | 0.00% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $3 | — | $3 | 0.00% |
| ASHTON CONSULTING INC3 | 5962 SCREAMING EAGLE LN COLUMBIA, MO 65201 | AFLAC | $2 | — | $2 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $2 | — | $2 | 0.00% |
| DOMINICK J LACARIA3 | 216 ROSCOMMON PL MCMURRAY, PA 15317 | AFLAC | $2 | — | $2 | 0.00% |
| DENA JORDAN3 Filed as: DENA L JORDAN | 9300 HARRIS CORNERS PKWY STE 100 CHARLOTTE, NC 28269 | AFLAC | $1 | — | $1 | 0.00% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $1 | — | $1 | 0.00% |
| FREDERICK L ROSE3 | 3631 PUTTER POINT LN FORT MYERS, FL 33919 | AFLAC | $1 | — | $1 | 0.00% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $1 | — | $1 | 0.00% |
| JULIE W CRAIG3 | 10722 NW 20TH DR. CORAL SPRINGS, FL 33071 | AFLAC | $1 | — | $1 | 0.00% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | HARTFORD LIFE AND ACCIDENT | $5K | $6K | $11K | 8.68% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC. | 210 6TH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 4.64% |
| SEUBERT & ASSOCIATES, INC.3 | 225 N SHORE DR. STE 300 PITTSBURGH, PA 15212 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.79% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.25% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 N SHORE DRIVE. STE 300 PITTSBURGH, PA 15212 | HARTFORD LIFE AND ACCIDENT | $518 | — | $518 | 15.00% |
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 | 328 | 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) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 485 | $125K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 485 | $125K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 298 | $1.9M |
| Other(3 contracts, 2 carriers) | AFLAC | 485 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.