| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2121 N. CALIFORNIA BLVD SUITE 1000 WALNJT CREED, CA 94596 | HIGHMARK, INC. | $26K | — | $26K | 4.79% |
| ARMS INSURANCE GROUP LLC3 Filed as: ARMS INSURANCE GROUP, LLC | 3000 LENTO BLVD BETHEL PARK, PA 15102 | HIGHMARK, INC. | $4K | — | $4K | 0.79% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1301 DOVE ST STE 200 NEWPORT BEACH, CA 92660 | DEARBORN LIFE INSURANCE COMPANY | $6K | — | $6K | 14.27% |
| AGORA BENEFITS LLC3 | 2593 WEXFORD BAYNE RD STE 102 SEWICKLEY, PA 15143 | AFLAC | $4K | — | $4K | 16.02% |
| NICK BUZZELLI INSURANCE LLC3 | 155 CURTIS CT PITTSBURGH, PA 15237 | AFLAC | $1K | $221 | $2K | 7.05% |
| DOUGLAS KAMPER3 | 624 SUISMON ST PITTSBURGH, PA 15212 | AFLAC | $1K | $108 | $2K | 7.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST FL 6 6TH FLOOR SAN DIEGO, CA 92101 | AFLAC | $902 | — | $902 | 4.03% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $390 | $107 | $497 | 2.22% |
| PATRICK THOMAS MICHAEL3 | 384 CENTER AVE #2 PITTSBURGH, PA 15229 | AFLAC | $299 | $142 | $441 | 1.97% |
| CHARLES MORALES3 | 1011 GRANDVIEW AVE PITTSBURGH, PA 15211 | AFLAC | $275 | $159 | $434 | 1.94% |
| DONALD SIPPEL3 | 3750 SAXONBURG BLVD PITTSBURGH, PA 15238 | AFLAC | $64 | $25 | $89 | 0.40% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 575 MARKET ST STE 1300 SAN FRANCISCO, CA 94105 | AFLAC | $63 | — | $63 | 0.28% |
| PAUL ANDREW LIVINGSTON3 | 603 DRESSEL RD ALLISON PARK, PA 15101 | AFLAC | $61 | — | $61 | 0.27% |
| TYLER KEITH HANDLAN3 | 512 ALLENBROOKE DR GREENSBURG, PA 15601 | AFLAC | $48 | — | $48 | 0.21% |
| VANESSA K KOSTIC3 | 12 CASTLE VIEW DR MCKEES ROCKS, PA 15136 | AFLAC | $40 | — | $40 | 0.18% |
| BBERTHA SUSAN REYNOLDS3 | 8979 EASTWOOD RD PITTSBURGH, OR 15235 | AFLAC | $23 | — | $23 | 0.10% |
| KAYLIE A LING3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $14 | — | $14 | 0.06% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 127 | $538K |
| Dental | HIGHMARK, INC. | 127 | $538K |
| Vision | HIGHMARK, INC. | 127 | $538K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 122 | $39K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 122 | $39K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 122 | $39K |
| Prescription drug | HIGHMARK, INC. | 127 | $538K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 122 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
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.