| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT D BURTON3 | 550 SOUTH AVE VERONA, PA 15147 | AFLAC | $2K | $49 | $2K | 3.62% |
| JODY D MARSHALL3 | 514 BEAUMONT DR STATE COLLEGE, PA 16801 | AFLAC | $1K | $0 | $1K | 2.18% |
| MICHAEL J KELLY3 Filed as: MICHAEL ZADROZNY | 348 CYPRESS HILL DR PITTSBURGH, PA 15235 | AFLAC | $894 | $0 | $894 | 1.74% |
| MICHAEL H FLEMING3 | 7546 STATE ROUTE 30 THIRD FLOOR IRWIN, PA 15642 | AFLAC | $772 | $27 | $799 | 1.55% |
| DAVID J MLINARICH3 | 955 HEDY LYNN DR NORTH HUNTINGDON, PA 15642 | AFLAC | $666 | $41 | $707 | 1.37% |
| ADAM N STEINEL3 | 7546 STATE ROUTE 30 STE 3 IRWIN, PA 15642 | AFLAC | $545 | $0 | $545 | 1.06% |
| ROGERS BENEFIT GROUP INC3 Filed as: JANICE L ROGERS | 163 HUNTER DR CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $402 | $0 | $402 | 0.78% |
| MICHAEL J KELLY3 | 314 OAKMONT DR PITTSBURGH, PA 15229 | AFLAC | $283 | $0 | $283 | 0.55% |
| STEVE J PADGELEK3 | 5500 BROOKTREE RD STE 102 WEXFORD, PA 15090 | AFLAC | $269 | $0 | $269 | 0.52% |
| SHAYNE L BRANDENBURG3 | 17765 ROUTE 954 HWY N HOME, PA 15747 | AFLAC | $257 | $0 | $257 | 0.50% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN RD PITTSBURGH, PA 15237 | AFLAC | $122 | $0 | $122 | 0.24% |
| DANIEL HAYDEN3 | 2553 RAYMOND AVE LATROBE, PA 15650 | AFLAC | $108 | $0 | $108 | 0.21% |
| ETHAN ROBERT RIFFE3 | 5500 BROOKTREE RD STE 102 WEXFORD, PA 15090 | AFLAC | $108 | $0 | $108 | 0.21% |
| STEVE J PADGELEK3 | 305 MERCER RD HARMONY, PA 16037 | AFLAC | $67 | $0 | $67 | 0.13% |
| BRITTANY FINGER3 | 7546 STATE ROUTE 30 IRWIN, PA 15642 | AFLAC | $58 | $6 | $64 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $55 | $0 | $55 | 0.11% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $52 | $0 | $52 | 0.10% |
| VERA KARAZSIA3 | 122 I ST JOHNSTOWN, PA 15906 | AFLAC | $50 | $0 | $50 | 0.10% |
| R & B INSURANCE SERVICES LLC3 | 200 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $49 | $0 | $49 | 0.10% |
| HALEY E SCHMITT3 | 8150 PERRY HWY STE 200 PITTSBURGH, PA 15237 | AFLAC | $49 | $0 | $49 | 0.10% |
| BRETT R MANIPPO3 | 105 BRYCE WAY WINDBER, PA 15963 | AFLAC | $33 | $0 | $33 | 0.06% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $30 | $0 | $30 | 0.06% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $18 | $0 | $18 | 0.03% |
| VICKY L LOMAX3 | 201 CITY PARK RD MONESSEN, PA 15062 | AFLAC | $16 | $0 | $16 | 0.03% |
| JOY GRUBE PADGELEK3 | 318 COTTINGHAM CIR CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $12 | $0 | $12 | 0.02% |
| ETHAN R. RIFFE3 Filed as: ETHAN R RIFFE | 219 TIMBER RIDGE CT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $12 | $0 | $12 | 0.02% |
| JAMES G BRANDT3 | 47 MARVIN ST PORT MATILDA, PA 16870 | AFLAC | $9 | $0 | $9 | 0.02% |
| MATTHEW S MCCLAY3 | 1086 MANSFIELD AVE INDIANA, PA 15701 | AFLAC | $7 | $0 | $7 | 0.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 16.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $475 | $475 | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $857 | $857 | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $332 | $332 | 3.00% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 82 | $50K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 82 | $50K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $11K |
| Other(3 contracts, 2 carriers) | AFLAC | 141 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.