| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $137 | $6K | 5.26% |
| ALYNN G CERVONE3 | 14220 CRESCENT LN. MEADVILLE, PA 16335 | AFLAC | $2K | $50 | $2K | 9.14% |
| MEGHAN NICOLE BAUSCH3 Filed as: MEGHAN N BAUSCH | 21460 CHURCH ST. VENANGO, PA 16440 | AFLAC | $352 | $20 | $372 | 1.57% |
| MICHAEL J KELLY3 | 314 OAKMONT DR. PITTSBURGH, PA 15229 | AFLAC | $357 | — | $357 | 1.51% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE. STE 230 PITTSBURGH, PA 15212 | AFLAC | $231 | $5 | $236 | 1.00% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN RD. PITTSBURGH, PA 15237 | AFLAC | $166 | — | $166 | 0.70% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $88 | $8 | $96 | 0.41% |
| JOHN C FOSTER3 | 125 MARKET ST BEAVER, PA 15009 | AFLAC | $73 | — | $73 | 0.31% |
| MICHAEL J MEOLA3 | PO BOX 82 RT 18 NORTH SPRINGBORO, PA 16435 | AFLAC | $65 | — | $65 | 0.27% |
| ROGERS BENEFIT GROUP INC3 Filed as: JANICE L ROGERS | 163 HUNTER DR. CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $49 | — | $49 | 0.21% |
| CLINTON F CORREAL3 | 100 GILMORE ST. UNIONTOWN, PA 15401 | AFLAC | $48 | — | $48 | 0.20% |
| STACY L PARKER3 | 470 N LIBERTY RD. GROVE CITY, PA 16127 | AFLAC | $39 | — | $39 | 0.16% |
| JAMIE PITTNER3 | 2749 BURNING TREE LN. CLEARWATER, FL 33761 | AFLAC | $31 | — | $31 | 0.13% |
| LINDA M NEARHOOF3 | 3610 SCARBORO RD. ERIE, PA 16506 | AFLAC | $28 | — | $28 | 0.12% |
| JAMES R MOYER3 | PO BOX 215 LINESVILLE, PA 16424 | AFLAC | $24 | — | $24 | 0.10% |
| BILLY M CRAIN3 | 1026 RHODES LN. BROOKVILLE, PA 15825 | AFLAC | $22 | — | $22 | 0.09% |
| THE BERT COMPANY3 | PO BOX 670 BUTLER, PA 16003 | AFLAC | $20 | — | $20 | 0.08% |
| MARILYN WYMAN3 | 1219 BELLFIELD CT. GREENSBURG, PA 15601 | AFLAC | $19 | — | $19 | 0.08% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $18 | — | $18 | 0.08% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LN. RENFREW, PA 16053 | AFLAC | $18 | — | $18 | 0.08% |
| LAURIE AULT3 | 147 NESHANNOCK TRAILS DR. NEW CASTLE, PA 16105 | AFLAC | $17 | — | $17 | 0.07% |
| VICKI J VELTRI3 | 1175 BALKAN DR. PITTSBURGH, PA 15239 | AFLAC | $15 | — | $15 | 0.06% |
| GAYLORD I KAUFFMAN3 | 315 GREEN RIDGE RD. STE H1 NEW CASTLE, PA 16105 | AFLAC | $14 | — | $14 | 0.06% |
| DIANE M WORLEY3 | 20240 BOCKMAN HOLLOW RD. SAEGERTOWN, PA 16433 | AFLAC | $13 | — | $13 | 0.05% |
| KENNETH D ROUSER3 | 4359 HARLANSBURG RD. SLIPPERY ROCK, PA 16057 | AFLAC | $12 | — | $12 | 0.05% |
| MEAGHAN CHRISTIN EGGER3 | 6919 MERTON RD. PITTSBURGH, PA 15202 | AFLAC | $11 | — | $11 | 0.05% |
| BRIAN TODD KAUFFMAN3 | 3009 WILMINGTON RD. NEW CASTLE, PA 16105 | AFLAC | $10 | — | $10 | 0.04% |
| KRISTIN J QUINLAN3 | 137 SEMICONON LN. RENFREW, PA 16053 | AFLAC | $9 | — | $9 | 0.04% |
| RITA BERGSTEIN BENEFITS LLC3 Filed as: RITA M BERGSTEIN | 12260 STATE ROUTE 30 NORTH HUNTINGDON, PA 15642 | AFLAC | $9 | — | $9 | 0.04% |
| MARIO HAIFA3 | 216 WARWICK DR PITTSBURGH, PA 15241 | AFLAC | $8 | — | $8 | 0.03% |
| JOHN A MONTEVERDE3 | 18 LAUREL DR. LONG VALLEY, NJ 07853 | AFLAC | $8 | — | $8 | 0.03% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $7 | — | $7 | 0.03% |
| JOHN P FRICK3 | 724 HIGH STREET EXT DUNBAR, PA 15431 | AFLAC | $7 | — | $7 | 0.03% |
| LEE PHYLLIS PRESTOPINE3 | 194 HICKORY VIEW DR. NEW CASTLE, PA 16102 | AFLAC | $7 | — | $7 | 0.03% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $6 | — | $6 | 0.03% |
| CLAIRE B WALDRON3 | PO BOX 210 CONNEAUT LAKE, PA 16316 | AFLAC | $5 | — | $5 | 0.02% |
| EZI INSURANCE SOLUTIONS3 | 15 IMPERIAL DR. GREENVILLE, PA 16125 | AFLAC | $5 | — | $5 | 0.02% |
| JAMES G BRANDT3 | 47 MARVIN ST. PORT MATILDA, PA 16870 | AFLAC | $4 | — | $4 | 0.02% |
| MUNCIE ALAN RUSSELL3 Filed as: MUNCIE ALAN RUSSEL | 1829 SENATE ST. APT. 8D COLUMBIA, SC 29201 | AFLAC | $4 | — | $4 | 0.02% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS RD. STE 600 TARRYTOWN, NY 10591 | AFLAC | $2 | — | $2 | 0.01% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE. STE 105 PISCATAWAY, NJ 08854 | AFLAC | $1 | — | $1 | 0.00% |
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 | 360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 586 | $153K |
| Vision | VISION BENEFITS OF AMERICA | 284 | $38K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 444 | $119K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 444 | $119K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 360 | $758K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 444 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.