| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $29K | — | $29K | 2.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | AETNA | $3K | — | $3K | 9.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $1K | — | $1K | 5.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | AETNA | $2K | — | $2K | 8.77% |
| RAY A JETER SR3 | 126 RITZLAND RD PITTSBURGH, PA 15235 | AFLAC | $1K | $131 | $1K | 8.15% |
| JAMES DANIEL CRAWLEY3 | 2316 MCNARY BLVD PITTSBURGH, PA 15235 | AFLAC | $442 | $22 | $464 | 2.65% |
| RIFFE CONSULTING GROUP LLC3 | 203 MEADOWBROOK DR CRANBERRY TWP, PA 16066 | AFLAC | $146 | $22 | $168 | 0.96% |
| ADAM N STEINEL3 Filed as: ADAM N. STEINEL | 7546 US ROUTE 30, 3RD FL IRWIN, PA 15642 | AFLAC | $139 | $6 | $145 | 0.83% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | AFLAC | $139 | — | $139 | 0.79% |
| MICHAEL H FLEMING3 Filed as: MICHAEL H. FLEMING | 11186 BROKERS LANE IRWIN, PA 15642 | AFLAC | $114 | $6 | $120 | 0.69% |
| LEE ANN M. KLINE3 | 18 PINTAIL DRIVE PITTSBURGH, PA 15236 | AFLAC | $98 | — | $98 | 0.56% |
| LISA A. BARRY3 | 324 AVENUE F PITTSBURGH, PA 15221 | AFLAC | $67 | — | $67 | 0.38% |
| BRADLEY KAUFFMAN3 | 315 GREEN RIDGE ROAD, SUITE H-1 NEW CASTLE, PA 16105 | AFLAC | $59 | — | $59 | 0.34% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $48 | — | $48 | 0.27% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN J. QUINLAN | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $48 | — | $48 | 0.27% |
| JAMES V CLEMENS3 | 519 RIDGEWAY ST GREENSBURG, PA 15601 | AFLAC | $30 | $9 | $39 | 0.22% |
| TYE ELLIOTT3 | 1300 N. INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $33 | — | $33 | 0.19% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE ROUTE 30 NORTH HUNTINGDON, PA 15642 | AFLAC | $32 | — | $32 | 0.18% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $12 | — | $12 | 0.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 444 LIBERTY AVENUE, SUITE 1500 PITTSBURGH, PA 15222 | AFLAC | $12 | — | $12 | 0.07% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $6 | — | $6 | 0.03% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DR, SUITE 101 CRANBERRY TWP, PA 16066 | AFLAC | $6 | — | $6 | 0.03% |
| JOHN P FRICK3 Filed as: JOHN P. FRICK | 724 HIGH STREET EXT DUNBAR, PA 15431 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES G BRANDT3 Filed as: JAMES G. BRANDT | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $1 | — | $1 | 0.01% |
| RAY A JETER SR3 | 126 RITZLAND RD PITTSBURGH, PA 15235 | AFLAC | $1K | $81 | $1K | 7.34% |
| JAMES DANIEL CRAWLEY3 | 2316 MCNARY BLVD PITTSBURGH, PA 15235 | AFLAC | $494 | $26 | $520 | 2.98% |
| RIFFE CONSULTING GROUP LLC3 | 203 MEADOWBROOK DR CRANBERRY TWP, PA 16066 | AFLAC | $110 | $26 | $136 | 0.78% |
| JAMES V CLEMENS3 | 519 RIDGEWAY ST GREENSBURG, PA 15601 | AFLAC | $85 | $47 | $132 | 0.76% |
| BRADLEY KAUFFMAN3 | 315 GREEN RIDGE ROAD, SUITE H-1 NEW CASTLE, PA 16105 | AFLAC | $115 | — | $115 | 0.66% |
| ADAM N STEINEL3 Filed as: ADAM N. STEINEL | 7546 US ROUTE 30, 3RD FL IRWIN, PA 15642 | AFLAC | $83 | — | $83 | 0.48% |
| MICHAEL WORLEY3 | 20240 BOCKMAN HOLLOW RD SAEGERTOWN, PA 16433 | AFLAC | $72 | — | $72 | 0.41% |
| MICHAEL H FLEMING3 Filed as: MICHAEL H. FLEMING | 11186 BROKERS LANE IRWIN, PA 15642 | AFLAC | $56 | — | $56 | 0.32% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $55 | — | $55 | 0.32% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE ROAD, SUITE H-1 NEW CASTLE, PA 16105 | AFLAC | $26 | — | $26 | 0.15% |
| DIANE M WORLEY3 Filed as: DIANE M. WORLEY | 20240 BOCKMAN HOLLOW RD SAEGERTOWN, PA 16433 | AFLAC | $21 | — | $21 | 0.12% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE ROUTE 30 NORTH HUNTINGDON, PA 15642 | AFLAC | $19 | — | $19 | 0.11% |
| TYE ELLIOTT3 | 1300 N. INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $18 | — | $18 | 0.10% |
| TEMPLE K WOODLEY3 Filed as: TEMPLE K. WOODLEY | 2014 REIS RUN RD PITTSBURGH, PA 15237 | AFLAC | $11 | — | $11 | 0.06% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $10 | — | $10 | 0.06% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $8 | — | $8 | 0.05% |
| ARNOLD E BELL3 Filed as: ARNOLD E. BELL | 1836 FERNDALE ST CAPE GIRARDEAU, MO 63701 | AFLAC | $4 | — | $4 | 0.02% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DR, SUITE 101 CRANBERRY TWP, PA 16066 | AFLAC | $4 | — | $4 | 0.02% |
| JAMES G BRANDT3 Filed as: JAMES G. BRANDT | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $4 | — | $4 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $463 | — | $463 | 4.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $121 | $2K | 16.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $327 | — | $327 | 3.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $339 | — | $339 | 5.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $321 | — | $321 | 8.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $167 | — | $167 | 9.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $164 | — | $164 | 9.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | PRINCIPAL LIFE INSURANCE COMPANY | $238 | — | $238 | 13.42% |
| RAY A JETER SR3 | 126 RITZLAND RD PITTSBURGH, PA 15235 | AFLAC | $81 | — | $81 | 7.24% |
| JAMES DANIEL CRAWLEY3 | 2316 MCNARY BLVD PITTSBURGH, PA 15235 | AFLAC | $28 | — | $28 | 2.50% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE ROUTE 30 NORTH HUNTINGDON, PA 15642 | AFLAC | $12 | — | $12 | 1.07% |
| ADAM N STEINEL3 Filed as: ADAM N. STEINEL | 7546 US ROUTE 30, 3RD FL IRWIN, PA 15642 | AFLAC | $7 | — | $7 | 0.63% |
| TYE ELLIOTT3 | 1300 N. INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $6 | — | $6 | 0.54% |
| MICHAEL H FLEMING3 Filed as: MICHAEL H. FLEMING | 11186 BROKERS LANE IRWIN, PA 15642 | AFLAC | $5 | — | $5 | 0.45% |
| RIFFE CONSULTING GROUP LLC3 | 203 MEADOWBROOK DR CRANBERRY TWP, PA 16066 | AFLAC | $2 | — | $2 | 0.18% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $2 | — | $2 | 0.18% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $1 | — | $1 | 0.09% |
| JOHN P FRICK3 Filed as: JOHN P. FRICK | 724 HIGH STREET EXT DUNBAR, PA 15431 | AFLAC | $1 | — | $1 | 0.09% |
| RAY A JETER SR3 | 126 RITZLAND RD PITTSBURGH, PA 15235 | AFLAC | $103 | — | $103 | 10.44% |
| JAMES DANIEL CRAWLEY3 | 2316 MCNARY BLVD PITTSBURGH, PA 15235 | AFLAC | $40 | — | $40 | 4.05% |
| RIFFE CONSULTING GROUP LLC3 | 203 MEADOWBROOK DR CRANBERRY TWP, PA 16066 | AFLAC | $21 | — | $21 | 2.13% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $6 | — | $6 | 0.61% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $1 | — | $1 | 0.10% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DR, SUITE 101 CRANBERRY TWP, PA 16066 | AFLAC | $1 | — | $1 | 0.10% |
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 | 154 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 322 | $1.1M |
| Dental(2 contracts) | AETNA | 60 | $51K |
| Vision(4 contracts) | VISION BENEFITS OF AMERICA | 66 | $17K |
| Life insurance(8 contracts, 4 carriers) | AFLAC | 102 | $64K |
| Short-term disability(5 contracts, 2 carriers) | AFLAC | 102 | $39K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 102 | $2K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.