| 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. | $25K | — | $25K | 3.95% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1501 REEDSDALE ST STE 3005 PITTSBURGH, PA 15233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST FL 6 6TH FLOOR SAN DIEGO, CA 92101 | AFLAC | $1K | — | $1K | 6.72% |
| DOUGLAS KAMPER3 | 624 SUISMON ST PITTSBURGH, PA 15212 | AFLAC | $1K | — | $1K | 5.90% |
| VANESSA K KOSTIC3 | 12 CASTLE VIEW DR MCKEES ROCKS, PA 15136 | AFLAC | $719 | — | $719 | 3.24% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 575 MARKET ST STE 1300 SAN FRANCISCO, CA 94105 | AFLAC | $544 | — | $544 | 2.45% |
| AGORA BENEFITS LLC3 | 2593 WEXFORD BAYNE RD STE 102 SEWICKLEY, PA 15143 | AFLAC | $343 | — | $343 | 1.54% |
| NICK BUZZELLI INSURANCE LLC3 | 155 CURTIS CT PITTSBURGH, PA 15237 | AFLAC | $340 | — | $340 | 1.53% |
| BBERTHA SUSAN REYNOLDS3 | 8979 EASTWOOD RD PITTSBURGH, OR 15235 | AFLAC | $318 | — | $318 | 1.43% |
| JOSHUA PINAROC3 | 5855 ALDERSON ST APT 5 PITTSBURGH, PA 15217 | AFLAC | $281 | — | $281 | 1.27% |
| BRYAN CHECHAK3 | 2213 MOUNT TROY RD PITTSBURGH, PA 15212 | AFLAC | $187 | — | $187 | 0.84% |
| KAYLIE A LING3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $184 | — | $184 | 0.83% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $163 | — | $163 | 0.73% |
| CHARLES MORALES3 | 39 SAGINAW DR STE 3B ROCHESTER, NY 14623 | AFLAC | $45 | — | $45 | 0.20% |
| MATTHEW DONOVAN3 | 325 MOUNT JOY RD MOUNT PLEASANT, PA 15666 | AFLAC | $23 | — | $23 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $18 | — | $18 | 0.08% |
| PATRICK THOMAS MICHAEL3 | 384 CENTER AVE #2 PITTSBURGH, PA 15229 | AFLAC | $16 | — | $16 | 0.07% |
| SVETLANA ZEITLIN3 | 105 ADDIS DR CHURCHVILLE, PA 18966 | AFLAC | $13 | — | $13 | 0.06% |
| DONALD SIPPEL3 | 3750 SAXONBURG BLVD PITTSBURGH, PA 15238 | AFLAC | $9 | — | $9 | 0.04% |
| JOSE A SCHIENEMAN3 | 1881 S CARRIAGE LN CHANDLER, AZ 85286 | AFLAC | $5 | — | $5 | 0.02% |
| ROBIN SHIVELY3 Filed as: ROBIN E SHIVELY | 347 SCOLA RD BROOKHAVEN, PA 19015 | AFLAC | $2 | — | $2 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 5444 WESTHEIMER RD STE 800 HOUSTON, TX 77056 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 15.91% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 166 | $623K |
| Dental | HIGHMARK, INC. | 166 | $623K |
| Vision | HIGHMARK, INC. | 166 | $623K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $38K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $38K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $38K |
| Prescription drug | HIGHMARK, INC. | 166 | $623K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.