| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $10K | 15.21% |
| DANIEL HAYDEN3 | 2553 RAYMOND AVE LATROBE, PA 15650 | AFLAC | $2K | $37 | $2K | 3.70% |
| DAVID J MLINARICH3 | 955 HEDY LYNN DR NORTH HUNTINGDON, PA 15642 | AFLAC | $1K | $60 | $1K | 2.59% |
| ROBERT D BURTON3 | 550 SOUTH AVE VERONA, PA 15147 | AFLAC | $824 | $6 | $830 | 1.59% |
| MICHAEL H FLEMING3 | 7546 STATE ROUTE 30 THIRD FLOOR IRWIN, PA 15642 | AFLAC | $563 | $36 | $599 | 1.15% |
| ROGERS BENEFIT GROUP INC3 Filed as: JANICE L ROGERS | 163 HUNTER DR CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $507 | — | $507 | 0.97% |
| MICHAEL J KELLY3 | 314 OAKMONT DR PITTSBURGH, PA 15229 | AFLAC | $367 | — | $367 | 0.70% |
| STEVE J PADGELEK3 | 5500 BROOKTREE RD STE 102 WEXFORD, PA 15090 | AFLAC | $360 | — | $360 | 0.69% |
| BRETT R MANIPPO3 | 105 BRYCE WAY WINDBER, PA 15963 | AFLAC | $291 | $17 | $308 | 0.59% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN RD PITTSBURGH, PA 15237 | AFLAC | $184 | — | $184 | 0.35% |
| ETHAN ROBERT RIFFE3 | 5500 BROOKTREE RD STE 102 WEXFORD, PA 15090 | AFLAC | $118 | — | $118 | 0.23% |
| ADAM N STEINEL3 | 7546 STATE ROUTE 30 STE 3 IRWIN, PA 15642 | AFLAC | $77 | — | $77 | 0.15% |
| STEVE J PADGELEK3 | 305 MERCER RD HARMONY, PA 16037 | AFLAC | $67 | — | $67 | 0.13% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $63 | — | $63 | 0.12% |
| VERA KARAZSIA3 | 122 I STREET JOHNSTOWN, PA 15906 | AFLAC | $59 | — | $59 | 0.11% |
| HALEY E SCHMITT3 | 101 DEIMLING RD PITTSBURGH, PA 15229 | AFLAC | $57 | — | $57 | 0.11% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $38 | — | $38 | 0.07% |
| VICKY L LOMAX3 | 201 CITY PARK RD MONESSEN, PA 15062 | AFLAC | $35 | — | $35 | 0.07% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $18 | — | $18 | 0.03% |
| JAMES G BRANDT3 | 47 MARVIN ST PORT MATILDA, PA 16870 | AFLAC | $16 | — | $16 | 0.03% |
| JOY GRUBE PADGELEK3 | 318 COTTINGHAM CIR CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $14 | — | $14 | 0.03% |
| ETHAN R. RIFFE3 Filed as: ETHAN R RIFFE | 219 TIMBER RIDGE CT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $12 | — | $12 | 0.02% |
| MATTHEW S MCCLAY3 | 1086 MANSFIELD AVE INDIANA, PA 15701 | AFLAC | $8 | — | $8 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $65K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $65K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 144 | $26K |
| Short-term disability | AFLAC | 64 | $52K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 144 | $26K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INSURANCE COMPANY | 105 | $167K |
| Other(2 contracts, 2 carriers) | AFLAC | 144 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.