| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $561 | $5K | 13.53% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 1250 TOWER LANE ERIE, PA 16505 | AFLAC | $1K | $0 | $1K | 5.37% |
| MARILYN WYMAN3 | 203 AIKEN ROAD NEW CASTLE, PA 16101 | AFLAC | $939 | $62 | $1K | 3.59% |
| DONNA SHAW3 Filed as: DONNA SHAW AND OTHER AGENTS | 4811 KOEHLER ROAD ERIE, PA 16510 | AFLAC | $687 | $0 | $687 | 2.46% |
| STEPHANIE V BOOMGAARDEN3 Filed as: STEPHANIE V. BOOMGAARDEN | 207 LAKELAND DRIVE EDINBORO, PA 16412 | AFLAC | $549 | $69 | $618 | 2.22% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE, SUITE 230 PITTSBURGH, PA 15212 | AFLAC | $144 | $27 | $171 | 0.61% |
| RONALD PUSZ3 Filed as: RONALD W. PUSZ | 18282 TECHNOLOGY DRIVE, SUITE 205 MEADVILLE, PA 16335 | AFLAC | $134 | $0 | $134 | 0.48% |
| MICHELLE H KELLEY3 Filed as: MICHELLE H. KELLEY | 2411 W. 26TH STREET ERIE, PA 16506 | AFLAC | $132 | $0 | $132 | 0.47% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 208 | $64K |
| Short-term disability | AFLAC | 41 | $28K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 208 | $36K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 208 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.