| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 13.65% |
| ROBERT D BURTON3 | 550 SOUTH AVE VERONA, PA 15147 | AFLAC | $4K | $76 | $4K | 7.33% |
| JODY D MARSHALL3 | 514 BEAUMONT DR STATE COLLEGE, PA 16801 | AFLAC | $3K | $123 | $3K | 5.07% |
| MICHAEL H FLEMING3 | 7546 STATE ROUTE 30 THIRD FLOOR IRWIN, PA 15642 | AFLAC | $1K | $59 | $1K | 2.54% |
| ADAM N STEINEL3 | 7546 STATE ROUTE 30 STE 3 IRWIN, PA 15642 | AFLAC | $1K | $33 | $1K | 2.15% |
| SHAYNE L BRANDENBURG3 | 17765 ROUTE 954 HWY N HOME, PA 15747 | AFLAC | $724 | $26 | $750 | 1.41% |
| STEVEN LAWRENCE MARCHETTI3 | 2012 PARK LN MCKEESPORT, PA 15132 | AFLAC | $539 | $0 | $539 | 1.01% |
| DAVID J MILNARICH3 | 955 HEDY LYNN DR NORTH HUNTINGDON, PA 15642 | AFLAC | $394 | $0 | $394 | 0.74% |
| ROGERS BENEFIT GROUP INC3 Filed as: JANICE L ROGERS | 163 HUNTER DR CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $351 | $0 | $351 | 0.66% |
| MICHAEL J KELLY3 | 314 OAKMONT DR PITTSBURGH, PA 15229 | AFLAC | $255 | $0 | $255 | 0.48% |
| STEVE JAMES PADGELEK3 | 5500 BROOKTREE RD STE 102 WEXFORD, PA 15090 | AFLAC | $239 | $0 | $239 | 0.45% |
| MICHAEL J KELLY3 Filed as: MICHAEL ZADROZNY | 348 CYPRESS HILL DR PITTSBURGH, PA 15235 | AFLAC | $114 | $67 | $181 | 0.34% |
| TEMPLE K WOODLEY3 | 261 PATRIOT LN FREEDOM, PA 15042 | AFLAC | $107 | $0 | $107 | 0.20% |
| ETHAN ROBERT RIFFE3 | 5500 BROOKTREE RD STE 102 WEXFORD, PA 15090 | AFLAC | $103 | $0 | $103 | 0.19% |
| DANIEL HAYDEN3 | 2553 RAYMOND AVE LATROBE, PA 15650 | AFLAC | $88 | $0 | $88 | 0.17% |
| STEVE JAMES PADGELEK3 | 305 MERCER RD HARMONY, PA 16037 | AFLAC | $64 | $0 | $64 | 0.12% |
| VERA KARAZSIA3 | 122 I ST JOHNSTOWN, PA 15906 | AFLAC | $45 | $0 | $45 | 0.08% |
| HALEY E SCHMITT3 | 8150 PERRY HWY STE 200 PITTSBURGH, PA 15237 | AFLAC | $45 | $0 | $45 | 0.08% |
| R & B INSURANCE SERVICES LLC3 | 200 WOODWARD AVE # B LOCK HAVEN, PA 17745 | AFLAC | $44 | $0 | $44 | 0.08% |
| KAYLIE A LING3 | 243 TAMARACK DR MARS, PA 16046 | AFLAC | $43 | $0 | $43 | 0.08% |
| BRETT R MANIPPO3 | 105 BRYCE WAY WINDBER, PA 15963 | AFLAC | $40 | $0 | $40 | 0.08% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $28 | $0 | $28 | 0.05% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $18 | $0 | $18 | 0.03% |
| BRITTANY FINGER3 | 7546 STATE ROUTE 30 IRWIN, PA 15642 | AFLAC | $15 | $0 | $15 | 0.03% |
| ETHAN ROBERT RIFFE3 | 219 TIMBER RIDGE CT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $12 | $0 | $12 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $9 | $0 | $9 | 0.02% |
| JOY GRUBE PADGELEK3 | 318 COTTINGHAM CIR CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $7 | $0 | $7 | 0.01% |
| JAMES G BRANDT3 | 47 MARVIN ST PORT MATILDA, PA 16870 | AFLAC | $6 | $0 | $6 | 0.01% |
| MATTHEW S MCCLAY3 | 1086 MANSFIELD AVE INDIANA, PA 15701 | AFLAC | $5 | $0 | $5 | 0.01% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $4 | $0 | $4 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | ATTN CHESTERS ANDERSON 850 RIDGE AVE PITTSBURGH, PA 15212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | ATTN CHESTERS ANDERSON 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 | $564 | $564 | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | ATTN CHESTERS ANDERSON 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 | $394 | $394 | 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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 86 | $55K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 86 | $55K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $13K |
| Other(3 contracts, 2 carriers) | AFLAC | 138 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.