| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 | 920 FT. DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNITED CONCORDIA INSURANCE COMPANY | — | $1K | $1K | 0.83% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $232 | $2K | 2.18% |
| ALYNN G CERVONE3 | 14220 CRESCENT LN. MEADVILLE, PA 16335 | AFLAC | $1K | $83 | $1K | 6.08% |
| MICHAEL J KELLY3 | 314 OAKMONT DR. PITTSBURGH, PA 15229 | AFLAC | $270 | — | $270 | 1.40% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN RD. PITTSBURGH, PA 15237 | AFLAC | $127 | — | $127 | 0.66% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $105 | $19 | $124 | 0.64% |
| JOHN C FOSTER3 | 125 MARKET ST BEAVER, PA 15009 | AFLAC | $73 | — | $73 | 0.38% |
| MICHAEL J MEOLA3 | PO BOX 82 RT 18 NORTH SPRINGBORO, PA 16435 | AFLAC | $65 | — | $65 | 0.34% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE. STE 230 PITTSBURGH, PA 15212 | AFLAC | $50 | — | $50 | 0.26% |
| CLINTON F CORREAL3 | 100 GILMORE ST. UNIONTOWN, PA 15401 | AFLAC | $48 | — | $48 | 0.25% |
| MEGHAN NICOLE BAUSCH3 Filed as: MEGHAN N BAUSCH | 21460 CHURCH ST. VENANGO, PA 16440 | AFLAC | $40 | — | $40 | 0.21% |
| JAMIE PITTNER3 | 2749 BURNING TREE LN. CLEARWATER, FL 33761 | AFLAC | $36 | — | $36 | 0.19% |
| LINDA M NEARHOOF3 | 3610 SCARBORO RD. ERIE, PA 16506 | AFLAC | $28 | — | $28 | 0.15% |
| BILLY M CRAIN3 | 8990 WENTLETRAP AVE PORT ST. JOE, FL 32456 | AFLAC | $22 | — | $22 | 0.11% |
| ROGERS BENEFIT GROUP INC3 Filed as: JANICE L ROGERS | 163 HUNTER DR. CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $21 | — | $21 | 0.11% |
| THE BERT COMPANY3 | PO BOX 670 BUTLER, PA 16003 | AFLAC | $20 | — | $20 | 0.10% |
| LAURIE AULT3 | 147 NESHANNOCK TRAILS DR. NEW CASTLE, PA 16105 | AFLAC | $17 | — | $17 | 0.09% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $16 | — | $16 | 0.08% |
| TIMOTHY R QUINLAN3 | PO BOX 387 CONNOQUENESSING, PA 16027 | AFLAC | $16 | — | $16 | 0.08% |
| VICKI J VELTRI3 | 1175 BALKAN DR. PITTSBURGH, PA 15239 | AFLAC | $15 | — | $15 | 0.08% |
| MARILYN WYMAN3 | 203 AIKEN RD. NEW CASTLE, PA 16101 | AFLAC | $14 | — | $14 | 0.07% |
| GAYLORD I KAUFFMAN3 | 315 GREEN RIDGE RD. STE H1 NEW CASTLE, PA 16105 | AFLAC | $14 | — | $14 | 0.07% |
| KENNETH D ROUSER3 | 203 AIKEN RD. NEW CASTLE, PA 16101 | AFLAC | $12 | — | $12 | 0.06% |
| STACY L PARKER3 | 470 N LIBERTY RD. GROVE CITY, PA 16127 | AFLAC | $11 | — | $11 | 0.06% |
| MEAGHAN CHRISTIN EGGER3 | 6919 MERTON RD. PITTSBURGH, PA 15202 | AFLAC | $11 | — | $11 | 0.06% |
| BRIAN TODD KAUFFMAN3 | 3009 WILMINGTON RD. NEW CASTLE, PA 16105 | AFLAC | $10 | — | $10 | 0.05% |
| RITA BERGSTEIN BENEFITS LLC3 Filed as: RITA M BERGSTEIN | 12260 STATE ROUTE 30 NORTH HUNTINGDON, PA 15642 | AFLAC | $9 | — | $9 | 0.05% |
| KRISTIN J QUINLAN3 | PO BOX 387 CONNOQUENESSING, PA 16027 | AFLAC | $8 | — | $8 | 0.04% |
| JOHN A MONTEVERDE3 | 18 LAUREL DR. LONG VALLEY, NJ 07853 | AFLAC | $8 | — | $8 | 0.04% |
| LEE PHYLLIS PRESTOPINE3 | 194 HICKORY VIEW DR. NEW CASTLE, PA 16102 | AFLAC | $7 | — | $7 | 0.04% |
| JOHN P FRICK3 | 724 HIGH STREET EXT DUNBAR, PA 15431 | AFLAC | $6 | — | $6 | 0.03% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $5 | — | $5 | 0.03% |
| CLAIRE B WALDRON3 | PO BOX 210 CONNEAUT LAKE, PA 16316 | AFLAC | $5 | — | $5 | 0.03% |
| JAMES R MOYER3 | 187 BEACH ST LINESVILLE, PA 16424 | 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% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $3 | — | $3 | 0.02% |
| JAMES G BRANDT3 | 47 MARVIN ST. PORT MATILDA, PA 16870 | AFLAC | $3 | — | $3 | 0.02% |
| DIANE M WORLEY3 | 20240 BOCKMAN HOLLOW RD. SAEGERTOWN, PA 16433 | AFLAC | $2 | — | $2 | 0.01% |
| 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 | 0.01% |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 563 | $143K |
| Vision | VISION BENEFITS OF AMERICA | 269 | $33K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 420 | $112K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 420 | $112K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 337 | $899K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 420 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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."
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.