| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | AETNA LIFE INSURANCE CO | $3K | $31K | $33K | 3.02% |
| ARMS INSURANCE GROUP LLC | 3000 LENTO BOULEVARD BETHEL PARK, PA 15102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 13.54% |
| ACORA BENEFITS LLC | 2593 WEXFORD BAYNE ROAD SUITE 102 BUILDING 1 SEWICKLEY, PA 15143 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.93% |
| LIFETIME FINANCIAL GROWTH Filed as: LIFETIME FINANCIAL GROWTH LLC | 244 BOULEVARD OF ALLIES PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $68 | — | $68 | 0.13% |
| ROBERT D BURTON | 550 SOUTH AVENUE VERONA, PA 15147 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $2K | $197 | $2K | 4.41% |
| ROGERS BENEFIT GROUP INC Filed as: JANICE L ROGERS | 163 HUNTER DR CRANBERRY TWP, PA 16066 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $2K | $174 | $2K | 3.72% |
| SJP & ASSOCIATES Filed as: SJP & ASSOCIATES INC | 504 S MAIN STREET STE 101 ZELINOPLE, PA 15212 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $853 | $21 | $874 | 1.81% |
| MICHAEL J KELLY | 314 OAKMONT DR PITTSBURGH, PA 15229 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $802 | $35 | $837 | 1.73% |
| TEMPLE K WOODLEY | 2014 REIS RUN RD PITTSBURGH, PA 15237 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $517 | $35 | $552 | 1.14% |
| MARIO HAIFA | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $407 | $69 | $476 | 0.98% |
| RIFFE CONSULTING GROUP LLC | 203 MEADOWBROOK DR CRANBERRY TWP, PA 16066 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $322 | $35 | $357 | 0.74% |
| STEVE J PADGELEK | 540 SOUTH MAIN STREET STE 101 ZELINOPLE, PA 16063 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $142 | $13 | $155 | 0.32% |
| SMITH BENEFITS CONSULTING GROUP | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $132 | — | $132 | 0.27% |
| MICHAEL J KELLY | 161 LINK AVE PITTSBURGH, PA 15237 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $89 | — | $89 | 0.18% |
| ETHAN R. RIFFE Filed as: ETHAN R RIFFE | 203 MEADOWBROOK DR CRANBERRY TWP, PA 16066 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $48 | — | $48 | 0.10% |
| DENNIS L HULSE | 240 PARALLEL ST PLEASANTVILLE, PA 16341 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $31 | — | $31 | 0.06% |
| DONALD J BLAIR | 127 SPEER ST STE 1 BELLE VERNON, PA 15012 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $24 | — | $24 | 0.05% |
| DANIEL M PERLMUTTER | 42234 RIGGINS RIDGE TER APT 518 ASHBURN, VA 20148 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $16 | — | $16 | 0.03% |
| STEVE J PADGELEK | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $15 | — | $15 | 0.03% |
| JAMES ELDER BROOKS | 1253 WEST LEESPORT RD LEESPORT, PA 19533 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $15 | — | $15 | 0.03% |
| KIMMON R GUSEMAN | 48 NICKMAN PLZ LEMONT FURNACE, PA 15456 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $10 | — | $10 | 0.02% |
| BRIAN W PATTEN | 120 MARGUERITE DR STE 101 CRANBERRY TWP, PA 16066 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $9 | — | $9 | 0.02% |
| GDK & COMPANY Filed as: GDK INC | 221 PITTSBURGH ST SCOTTDALE, PA 15683 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $9 | — | $9 | 0.02% |
| MARILYN WYMAN | 4276 STONE CREEK DR ERIE, PA 16506 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $5 | — | $5 | 0.01% |
| IRENE E BROOKS | 1253 WEST LEESPORT RD LEESPORT, PA 19533 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $5 | — | $5 | 0.01% |
| GAYLORD I KAUFFMAN | 315 GREEN RIDGE RD STE H1 NEW CASTLE, PA 16105 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $4 | — | $4 | 0.01% |
| DANIEL R JUDY | 231 WALTERS MILL RD SOMERSET, PA 15501 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $4 | — | $4 | 0.01% |
| TERESA L FOUTZ | 1877 LEALAND AVE POLAND, OH 44514 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $3 | — | $3 | 0.01% |
| GAIL CAITLIN RILEY | 2226 B WYOMING BLVD NE #163 ALBUQUERQUE, NM 87112 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $3 | — | $3 | 0.01% |
| BILLY M CRAIN | 57 PICKERING ST BROOKVILLE, PA 15825 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $3 | — | $3 | 0.01% |
| EDWARD F ANEWALT | 5051 BERNVILLE RD BERNVILLE, PA 19506 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $3 | — | $3 | 0.01% |
| TIMOTHY R QUINLAN | 137 SEMICONON LN RENFREW, PA 16053 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $1 | — | $1 | 0.00% |
| RICHARD W HEUP | 1200 BROADCASTING RD STE 205 READING, PA 19610 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 243 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $52K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $52K |
| Life insurance | AETNA LIFE INSURANCE CO | 243 | $1.1M |
| Long-term disability | AETNA LIFE INSURANCE CO | 243 | $1.1M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 243 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.