| 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 | $34K | — | $34K | 2.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | AETNA | $3K | — | $3K | 9.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | AETNA | $2K | — | $2K | 9.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $882 | — | $882 | 3.67% |
| RAY A JETER SR3 | 126 RITZLAND RD PITTSBURGH, PA 15235 | AFLAC | $2K | — | $2K | 9.29% |
| JAMES DANIEL CRAWLEY3 | 2316 MCNARY BLVD PITTSBURGH, PA 15235 | AFLAC | $427 | — | $427 | 2.44% |
| ADAM N STEINEL3 Filed as: ADAM N. STEINEL | 7546 US ROUTE 30, 3RD FL IRWIN, PA 15642 | AFLAC | $215 | — | $215 | 1.23% |
| MICHAEL H FLEMING3 Filed as: MICHAEL H. FLEMING | 11186 BROKERS LANE IRWIN, PA 15642 | AFLAC | $141 | — | $141 | 0.81% |
| BRADLEY KAUFFMAN3 | 315 GREEN RIDGE ROAD, SUITE H-1 NEW CASTLE, PA 16105 | AFLAC | $102 | — | $102 | 0.58% |
| RIFFE CONSULTING GROUP LLC3 | 219 TIMBER RIDGE CRANBERRY TWP, PA 16066 | AFLAC | $89 | — | $89 | 0.51% |
| MICHAEL WORLEY3 | 20240 BOCKMAN HOLLOW RD SAEGERTOWN, PA 16433 | AFLAC | $72 | — | $72 | 0.41% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $55 | — | $55 | 0.31% |
| JAMES V CLEMENS3 | 519 RIDGEWAY ST GREENSBURG, PA 15601 | AFLAC | $37 | — | $37 | 0.21% |
| 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 | $16 | — | $16 | 0.09% |
| TYE ELLIOTT3 | 1300 N. INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $16 | — | $16 | 0.09% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $12 | — | $12 | 0.07% |
| TEMPLE K WOODLEY3 Filed as: TEMPLE K. WOODLEY | 2014 REIS RUN RD PITTSBURGH, PA 15237 | AFLAC | $11 | — | $11 | 0.06% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $11 | — | $11 | 0.06% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DR, SUITE 101 CRANBERRY TWP, PA 16066 | AFLAC | $6 | — | $6 | 0.03% |
| JAMES G BRANDT3 Filed as: JAMES G. BRANDT | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $5 | — | $5 | 0.03% |
| JOHN P FRICK3 Filed as: JOHN P. FRICK | 724 HIGH STREET EXT DUNBAR, PA 15431 | AFLAC | $0 | — | $0 | 0.00% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN J. QUINLAN | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $0 | — | $0 | 0.00% |
| RAY A JETER SR3 | 126 RITZLAND RD PITTSBURGH, PA 15235 | AFLAC | $917 | $36 | $953 | 5.97% |
| JAMES DANIEL CRAWLEY3 | 2316 MCNARY BLVD PITTSBURGH, PA 15235 | AFLAC | $313 | — | $313 | 1.96% |
| ADAM N STEINEL3 Filed as: ADAM N. STEINEL | 7546 US ROUTE 30, 3RD FL IRWIN, PA 15642 | AFLAC | $164 | $7 | $171 | 1.07% |
| MICHAEL H FLEMING3 Filed as: MICHAEL H. FLEMING | 11186 BROKERS LANE IRWIN, PA 15642 | AFLAC | $111 | $7 | $118 | 0.74% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST, SUITE 2400 CINCINNATI, OH 45202 | AFLAC | $99 | — | $99 | 0.62% |
| LEE ANN M. KLINE3 | 18 PINTAIL DRIVE PITTSBURGH, PA 15236 | AFLAC | $88 | — | $88 | 0.55% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | AFLAC | $86 | — | $86 | 0.54% |
| RIFFE CONSULTING GROUP LLC3 | 219 TIMBER RIDGE CRANBERRY TWP, PA 16066 | AFLAC | $84 | — | $84 | 0.53% |
| BRADLEY KAUFFMAN3 | 315 GREEN RIDGE ROAD, SUITE H-1 NEW CASTLE, PA 16105 | AFLAC | $52 | — | $52 | 0.33% |
| LISA A. BARRY3 | 324 AVENUE F PITTSBURGH, PA 15221 | AFLAC | $46 | — | $46 | 0.29% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN J. QUINLAN | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $45 | — | $45 | 0.28% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $41 | — | $41 | 0.26% |
| TYE ELLIOTT3 | 1300 N. INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $26 | — | $26 | 0.16% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE ROUTE 30 NORTH HUNTINGDON, PA 15642 | AFLAC | $18 | — | $18 | 0.11% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $13 | — | $13 | 0.08% |
| JAMES V CLEMENS3 | 519 RIDGEWAY ST GREENSBURG, PA 15601 | AFLAC | $10 | — | $10 | 0.06% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $8 | — | $8 | 0.05% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DR, SUITE 101 CRANBERRY TWP, PA 16066 | AFLAC | $7 | — | $7 | 0.04% |
| 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% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | HARTFORD LIFE AND ACCIDENT | $1K | $862 | $2K | 16.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $588 | — | $588 | 4.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $102 | $2K | 15.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $187 | — | $187 | 2.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $105 | — | $105 | 1.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $241 | — | $241 | 5.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $139 | — | $139 | 7.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $130 | — | $130 | 8.01% |
| RAY A JETER SR3 | 126 RITZLAND RD PITTSBURGH, PA 15235 | AFLAC | $40 | — | $40 | 4.62% |
| JAMES DANIEL CRAWLEY3 | 2316 MCNARY BLVD PITTSBURGH, PA 15235 | AFLAC | $25 | — | $25 | 2.89% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE ROUTE 30 NORTH HUNTINGDON, PA 15642 | AFLAC | $12 | — | $12 | 1.39% |
| TYE ELLIOTT3 | 1300 N. INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $6 | — | $6 | 0.69% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $2 | — | $2 | 0.23% |
| JOHN P FRICK3 Filed as: JOHN P. FRICK | 724 HIGH STREET EXT DUNBAR, PA 15431 | AFLAC | $1 | — | $1 | 0.12% |
| RAY A JETER SR3 | 126 RITZLAND RD PITTSBURGH, PA 15235 | AFLAC | $99 | — | $99 | 13.13% |
| JAMES DANIEL CRAWLEY3 | 2316 MCNARY BLVD PITTSBURGH, PA 15235 | AFLAC | $20 | — | $20 | 2.65% |
| ADAM N STEINEL3 Filed as: ADAM N. STEINEL | 7546 US ROUTE 30, 3RD FL IRWIN, PA 15642 | AFLAC | $12 | — | $12 | 1.59% |
| RIFFE CONSULTING GROUP LLC3 | 219 TIMBER RIDGE CRANBERRY TWP, PA 16066 | AFLAC | $10 | — | $10 | 1.33% |
| MICHAEL H FLEMING3 Filed as: MICHAEL H. FLEMING | 11186 BROKERS LANE IRWIN, PA 15642 | AFLAC | $8 | — | $8 | 1.06% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $4 | — | $4 | 0.53% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $1 | — | $1 | 0.13% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DR, SUITE 101 CRANBERRY TWP, PA 16066 | AFLAC | $1 | — | $1 | 0.13% |
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 | 152 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 345 | $1.3M |
| Dental(2 contracts) | AETNA | 62 | $58K |
| Vision(4 contracts) | VISION BENEFITS OF AMERICA | 73 | $20K |
| Life insurance(8 contracts, 4 carriers) | AFLAC | 63 | $73K |
| Short-term disability(5 contracts, 2 carriers) | AFLAC | 63 | $49K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 63 | $14K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 63 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.