| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RITA BERGSTEIN BENEFITS LLC3 Filed as: RITA BERGSTEIN | PO BOX 232 IRWIN, PA 15642 | AFLAC | $29K | $1K | $31K | 14.54% |
| MICHAEL H FLEMING3 | 11186 BROKERS LN IRWIN, PA 15642 | AFLAC | $5K | $276 | $5K | 2.58% |
| JAMONT L KINDS3 Filed as: JAMONT LAVAL KINDS | 413 30TH ST MCKEESPORT, PA 15132 | AFLAC | $3K | $482 | $4K | 1.80% |
| AMY SLOKAN3 | 541 W GAINSBOROUGH RD APT 101 THOUSAND OAKS, CA 91360 | AFLAC | $3K | — | $3K | 1.59% |
| RITA BERGSTEIN BENEFITS LLC3 Filed as: RITA M BERGSTEIN | 12260 STATE ROUTE 30 N HUNTINGDON, PA 15642 | AFLAC | $1K | — | $1K | 0.63% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE ROUTE 30 N HUNTINGDON, PA 15642 | AFLAC | $946 | — | $946 | 0.45% |
| JOHN W DRAY3 | 123 THOMAS RD MCMURRAY, PA 15317 | AFLAC | $603 | — | $603 | 0.29% |
| GEORGE A BITTEL3 | 129 MARION DR MCMURRAY, PA 15317 | AFLAC | $420 | — | $420 | 0.20% |
| JEFFREY CORREAL3 | 420 JENNY LN UNIONTOWN, PA 15401 | AFLAC | $154 | — | $154 | 0.07% |
| JAMES BRADLEY SEIFERT3 | 157 MCCOY PLACE RD SEWICKLEY, PA 15143 | AFLAC | $153 | — | $153 | 0.07% |
| RICHARD BERDY3 | 124 N SOUTH DR PITTSBURGH, PA 15237 | AFLAC | $107 | — | $107 | 0.05% |
| JEFFREY CORREAL3 | 442 DUCK HOLLOW RD UNIONTOWN, PA 15401 | AFLAC | $97 | — | $97 | 0.05% |
| ETHAN ROBERT RIFFE3 | 5500 BROOKTREE RD STE 102 WEXFORD, PA 15090 | AFLAC | $81 | — | $81 | 0.04% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC | 225 N SHORE DR STE 300 PITTSBURGH, PA 15212 | AFLAC | $68 | — | $68 | 0.03% |
| RIFFE CONSULTING GROUP LLC3 | 219 TIMBER RIDGE CT CRANBERRY TWP, PA 16066 | AFLAC | $60 | — | $60 | 0.03% |
| MARIO HAIFA3 | 216 WARWICK DR PITTSBURGH, PA 15241 | AFLAC | $47 | — | $47 | 0.02% |
| ADAM N STEINEL3 | 7546 US ROUTE 30 3RD FLOOR IRWIN, PA 15642 | AFLAC | $37 | — | $37 | 0.02% |
| KRYSTA LYNN CORNELISON3 | 1318 MAYWOOD LN GREENSBURG, PA 15601 | AFLAC | $31 | — | $31 | 0.01% |
| JEFFREY CORREAL3 | 125 TECHNOLOGY DR STE 201 CANONSBURG, PA 15317 | AFLAC | $28 | — | $28 | 0.01% |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $23 | — | $23 | 0.01% |
| RIFFE CONSULTING GROUP LLC3 | 219 TIMBER RDG CRANBERRY TWP, PA 16066 | AFLAC | $16 | — | $16 | 0.01% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $16 | — | $16 | 0.01% |
| JENNIFER ROBIN HRIVNAK3 | 3900 INDUSTRIAL PARK DR STE 111 ALTOONA, PA 16602 | AFLAC | $12 | — | $12 | 0.01% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $9 | — | $9 | 0.00% |
| BRENDAN MALONE3 | 9253 MARSHALL RD CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $6 | — | $6 | 0.00% |
| JOHN E HRIVNAK3 | 3900 INDUSTRIAL PARK DR STE 11 ALTOONA, PA 16602 | AFLAC | $6 | — | $6 | 0.00% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $5 | — | $5 | 0.00% |
| JAMES G BRANDT3 | 47 MARVIN ST PORT MATILDA, PA 16870 | AFLAC | $5 | — | $5 | 0.00% |
| THE TORRES GROUP LLC3 | 1750 FARMINGTON CIRCLE WELLINGTON, TN 37919 | AFLAC | $4 | — | $4 | 0.00% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | AFLAC | $3 | — | $3 | 0.00% |
| JOHN P FRICK3 | 724 HIGH STREET EXT DUNBAR, PA 15431 | AFLAC | $3 | — | $3 | 0.00% |
| TERESA L FOUTZ3 Filed as: TERESA FOUTZ | 1877 LEALAND AVE POLAND, OH 44514 | AFLAC | $1 | — | $1 | 0.00% |
| EFREM P VILENSKI3 | 2930 W LUNT AVE CHICAGO, IL 60645 | AFLAC | $1 | — | $1 | 0.00% |
| HEATHER BARTLEY3 | 120 MARGUERITE DR STE 101 CRANBERRY TWP, PA 16066 | AFLAC | $1 | — | $1 | 0.00% |
| TERESA L FOUTZ3 Filed as: TERESA FOUTZ | 1877 LEALAND AVE POLAND, OH 44514 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INCORPORATED | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 5.59% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT AND ASSOCIATES INC | 225 NORTH SHORE DRIVE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 3.78% |
| TAMMY A MORGART3 Filed as: TAMMY A. MORGART | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $96 | $4K | 3.50% |
| BRYER INSURANCE SERVICES, INC.3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $60 | $4K | 3.02% |
| LISA M BRYER3 Filed as: LISA M. BRYER | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.15% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT ROAD JEANNETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $237 | $74 | $311 | 0.26% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | $32 | $305 | 0.25% |
| MATTHEW T. MATISKO3 | 522 MAPLE AVENUE SPRINGDALE, PA 15144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | — | $275 | 0.23% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $27 | $115 | 0.10% |
| WILLIAM E GOOD3 Filed as: WILLIAM E. GOOD | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.05% |
| KRISTEN ELISE RANDALL3 | 22 S GAY DRIVE LONGMONT, CO 80501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J. SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| DEEANN GREENE-MARSZALEK3 | 409 N. 20TH ST WEIRTON, WV 26062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| BRANDON MARCELLO CENTO3 | 7060 OAKBAY DRIVE NOBLESVILLE, IN 46052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.00% |
| PARRISH J PEACHEE3 Filed as: PARRISH J. PEACHEE | 6152 PUNKINVINE DR LEBANON, IN 46052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| NANCY L BEATTY3 Filed as: NANCY L. BEATTY | 33 OVERVIEW DR GREENSBURG, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC | STE 300 225 NORTH SHORE DR PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $336 | $336 | 0.86% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21 | — | $21 | 0.05% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC | STE 300 225 NORTH SHORE DR PITSSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $262 | $262 | 0.82% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21 | — | $21 | 0.07% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC | STE 300 225 NORTH SHORE DR PITTSBRUGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $62 | $62 | 0.79% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.06% |
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 | 849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 57 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 906 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 921 | $59K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 962 | $71K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 17 | $8K |
| Other(4 contracts, 3 carriers) | AFLAC | 962 | $402K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 962 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.