| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 15.07% |
| DAVID J MLINARICH3 | 955 HEDY LYNN DR NORTH HUNTINGDON, PA 15642 | AFLAC | $1K | $25 | $1K | 2.61% |
| ROBERT D BURTON3 | 550 SOUTH AVE VERONA, PA 15147 | AFLAC | $1K | $4 | $1K | 2.51% |
| MICHAEL H FLEMING3 | 7546 STATE ROUTE 30 THIRD FLOOR IRWIN, PA 15642 | AFLAC | $578 | $23 | $601 | 1.10% |
| ROGERS BENEFIT GROUP INC3 Filed as: JANICE L ROGERS | 163 HUNTER DR CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $493 | $0 | $493 | 0.90% |
| BRITTANY FINGER3 | 7546 STATE ROUTE 30 IRWIN, PA 15642 | AFLAC | $396 | $0 | $396 | 0.72% |
| DANIEL HAYDEN3 | 2553 RAYMOND AVE LATROBE, PA 15650 | AFLAC | $356 | $30 | $386 | 0.71% |
| MICHAEL J KELLY3 | 314 OAKMONT DR PITTSBURGH, PA 15229 | AFLAC | $355 | $0 | $355 | 0.65% |
| STEVE J PADGELEK3 Filed as: STEVE J PAEGELEK | 5500 BROOKTREE RD STE 120 WEXFORD, PA 15090 | AFLAC | $343 | $0 | $343 | 0.63% |
| ROBERT S JACKSON3 | 605 BEECH DR TRAFFORD, PA 15085 | AFLAC | $224 | $0 | $224 | 0.41% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN RD PITTSBURGH, PA 15237 | AFLAC | $165 | $0 | $165 | 0.30% |
| BRETT R MANIPPO3 | 105 BRYCE WAY WINDBER, PA 15963 | AFLAC | $139 | $0 | $139 | 0.25% |
| ETHAN ROBERT RIFFE3 | 5500 BROOKTREE RD STE 120 WEXFORD, PA 15090 | AFLAC | $124 | $0 | $124 | 0.23% |
| ADAM N STEINEL3 | 7546 STATE ROUTE 30 STE 3 IRWIN, PA 15642 | AFLAC | $83 | $0 | $83 | 0.15% |
| STEVE J PADGELEK3 Filed as: STEVE J PAEGELEK | 305 MERCER RD HARMONY, PA 16037 | AFLAC | $72 | $0 | $72 | 0.13% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $64 | $0 | $64 | 0.12% |
| VERA KARAZSIA3 | 122 I ST JOHNSTOWN, PA 15906 | AFLAC | $59 | $0 | $59 | 0.11% |
| HALEY E SCHMITT3 | 101 DEIMLING RD PITTSBURGH, PA 15229 | AFLAC | $53 | $0 | $53 | 0.10% |
| VICKY L LOMAX3 | 201 CITY PARK RD MONESSEN, PA 15062 | AFLAC | $37 | $0 | $37 | 0.07% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $36 | $0 | $36 | 0.07% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $19 | $0 | $19 | 0.03% |
| JOY GRUBE PADGELEK3 | 318 COTTINGHAM CIR CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $15 | $0 | $15 | 0.03% |
| JAMES G BRANDT3 | 47 MARVIN ST PORT MATILDA, PA 16870 | AFLAC | $14 | $0 | $14 | 0.03% |
| ETHAN R. RIFFE3 Filed as: ETHAN R RIFFE | 219 TIMBER RIDGE CT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $13 | $0 | $13 | 0.02% |
| MATTHEW S MCCLAY3 | 1086 MANSFIELD AVE INDIANA, PA 15701 | AFLAC | $8 | $0 | $8 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | $0 | $2K | 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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 93 | $59K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 93 | $59K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 147 | $24K |
| Short-term disability | AFLAC | 69 | $55K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 147 | $24K |
| Other(2 contracts, 2 carriers) | AFLAC | 147 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.