| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES J BANASZAK3 | 463 INWOOD DRIVE PITTSBURGH, PA 15237 | AFLAC | $6K | $214 | $7K | 11.97% |
| SJP & ASSOCIATES3 Filed as: SJP & ASSOCIATES, INC. | 5500 BROOKTREE ROAD SUITE 102 WEXFORD, PA 15090 | AFLAC | $1K | $43 | $1K | 2.51% |
| HALEY E SCHMITT3 | 329 STANFORD AVENUE PITTSBURGH, PA 15229 | AFLAC | $1K | $43 | $1K | 2.18% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVENUE INDIANA, PA 15701 | AFLAC | $400 | — | $400 | 0.72% |
| RIFFE CONSULTING GROUP LLC3 | 203 MEADOWBROOK DRIVE CRANSBERRY TWP, PA 16066 | AFLAC | $360 | — | $360 | 0.65% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $344 | — | $344 | 0.62% |
| MATTHEW S MCCLAY3 Filed as: MATTHEW SCHAAL | 103 OVERBROOK DRIVE CRANSBERRY TWP, PA 16066 | AFLAC | $168 | — | $168 | 0.30% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN ROAD PITTSBURGH, PA 15237 | AFLAC | $153 | — | $153 | 0.27% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DRIVE SUITE 200 COLUMBIA, MO 65203 | AFLAC | $126 | — | $126 | 0.23% |
| ROBERT D BURTON3 | 550 SOUTH AVENUE VERONA, PA 15147 | AFLAC | $115 | — | $115 | 0.21% |
| FREDERICK L ROSE3 | 3631 PUTTER POINT LANE FORT MYERS, FL 33919 | AFLAC | $89 | — | $89 | 0.16% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TWP, PA 16066 | AFLAC | $73 | — | $73 | 0.13% |
| KIMBERLEY A MUMFORD3 | 1415 SUNNY AVENUE NEW CASTLE, PA 16101 | AFLAC | $65 | — | $65 | 0.12% |
| MATTHEW S MCCLAY3 Filed as: MATTHEW SCHAAL | 180 HAMPSHIRE DRIVE CRANSBERRY TWP, PA 16066 | AFLAC | $38 | — | $38 | 0.07% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $34 | — | $34 | 0.06% |
| ANCILLARY BENEFITS CONSULTING LLC3 | 1195 WASHINGTON PIKE SUITE 340 BRIDGEVILLE, PA 15017 | AFLAC | $32 | — | $32 | 0.06% |
| RUSSELL L WARYE3 Filed as: RUSSELL L WOODLEY | 2014 REIS RUN ROAD PITTSBURGH, PA 15237 | AFLAC | $25 | — | $25 | 0.04% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE COURT GERMANTOWN HILLS, IA 61548 | AFLAC | $22 | — | $22 | 0.04% |
| MICHAEL I MURTOUGH3 | 1750 HEMPSTEAD LANE PITTSBURGH, PA 15241 | AFLAC | $21 | — | $21 | 0.04% |
| PATRICK PREISEL3 Filed as: PATRICK J PREISEL | 806 YOUNG STREET NEW CASTLE, PA 16101 | AFLAC | $20 | — | $20 | 0.04% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $14 | — | $14 | 0.03% |
| JOHN E HRIVNAK3 | 3900 INDUSTRIAL PARK DRIVE SUITE 11 ALTOONA, PA 16602 | AFLAC | $13 | — | $13 | 0.02% |
| JAMES BRADLEY SEIFERT3 | 157 MCCOY PLACE ROAD SEWICKLEY, PA 15143 | AFLAC | $9 | — | $9 | 0.02% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $9 | — | $9 | 0.02% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $6 | — | $6 | 0.01% |
| JOHN P FRICK3 | 724 HIGH STREET EXT DUNBAR, PA 15431 | AFLAC | $3 | — | $3 | 0.01% |
| EVAN GERSON3 | 321 N CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $3 | — | $3 | 0.01% |
| WAYNE UZARSKI3 Filed as: WAYNE J UZARSKI | 1195 WASHINGTON PIKE SUITE 340 BRIDGEVILLE, PA 15017 | AFLAC | $3 | — | $3 | 0.01% |
| KRISTIN J QUINLAN3 | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $2 | — | $2 | 0.00% |
| EUGENE MAMMOME3 | 15 HERITAGE LANE EXTON, PA 19341 | AFLAC | $1 | — | $1 | 0.00% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVENUE INDIANA, PA 15701 | AFLAC | $1 | — | $1 | 0.00% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.30% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC. | 444 LIBERTY AVENUE 4 GATEWAY CENTER, SUITE 605 PITTSBURGH, PA 15222 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $728 | — | $728 | 4.20% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.85% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.29% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC. | 444 LIBERTY AVENUE 4 GATEWAY CENTER, SUITE 605 PITTSBURGH, PA 15222 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $641 | — | $641 | 4.22% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $990 | — | $990 | 6.84% |
| JAMES J BANASZAK3 | 463 INWOOD ROAD PITTSBURGH, PA 15237 | AFLAC | $559 | — | $559 | 8.90% |
| SJP & ASSOCIATES3 Filed as: SJP & ASSOCIATES, INC. | 5500 BROOKTREE ROAD SUITE 102 WEXFORD, PA 15090 | AFLAC | $96 | — | $96 | 1.53% |
| RIFFE CONSULTING GROUP LLC3 | 203 MEADOWBROOK DRIVE CRANBERRY TWP, PA 16066 | AFLAC | $54 | — | $54 | 0.86% |
| STEVE J PADGELEK3 | 4000 OLD STATION ROAD APT 4101 CRANBERRY TWP, PA 16066 | AFLAC | $53 | — | $53 | 0.84% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $44 | — | $44 | 0.70% |
| HALEY E SCHMITT3 | 329 STANFORD AVENUE PITTSBURGH, PA 15229 | AFLAC | $28 | — | $28 | 0.45% |
| JOHN E HRIVNAK3 | 3900 INDUSTRIAL PARK DRIVE SUITE 11 ALTOONA, PA 16602 | AFLAC | $20 | — | $20 | 0.32% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVENUE INDIANA, PA 15701 | AFLAC | $19 | — | $19 | 0.30% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANSBERRY TWP, PA 16066 | AFLAC | $18 | — | $18 | 0.29% |
| MELISSA AYOOB3 Filed as: MELISSA SUE ALLISON | 10200 HICKORY RIDGE ROAD APT 102 WEXFORD, PA 15090 | AFLAC | $17 | — | $17 | 0.27% |
| FREDERICK L ROSE3 | 3631 PUTTER POINT LANE FORT MYERS, FL 33919 | AFLAC | $16 | — | $16 | 0.25% |
| STEVE J PADGELEK3 | 540 SOUTH MAIN STREET SUITE 101 ZELIENOPLE, PA 16063 | AFLAC | $13 | — | $13 | 0.21% |
| ASHTON CONSULTING INC3 Filed as: ASHTON CONSULTING, INC. | 3606 RIDGEVIEW DRIVE SUITE 200 COLUMBIA, MO 65203 | AFLAC | $8 | — | $8 | 0.13% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $8 | — | $8 | 0.13% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $5 | — | $5 | 0.08% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $2 | — | $2 | 0.03% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $1 | — | $1 | 0.02% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $1 | — | $1 | 0.02% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $131 | — | $131 | 8.26% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC. | 444 LIBERTY AVENUE 4 GATEWAY CENTER, SUITE 605 PITTSBURGH, PA 15222 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $67 | — | $67 | 4.23% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HIGHMARK | 407 | $25K |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 300 | $30K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 300 | $33K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HIGHMARK CASUALTY INSURANCE COMPANY | 181 | $409K |
| Other(4 contracts, 3 carriers) | AFLAC | 300 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.