| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES J BANASZAK3 | 463 INWOOD DRIVE PITTSBURGH, PA 15237 | AFLAC | $5K | $291 | $5K | 12.85% |
| HALEY E SCHMITT3 | 329 STANFORD AVENUE PITTSBURGH, PA 15229 | AFLAC | $851 | $58 | $909 | 2.43% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVENUE INDIANA, PA 15701 | AFLAC | $530 | $58 | $588 | 1.57% |
| SJP & ASSOCIATES3 Filed as: SJP & ASSOCIATES, INC. | 4000 OLD STATION ROAD APT 4101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $277 | — | $277 | 0.74% |
| MARIO HAIFA3 | 216 WARWICK DRIVE PITTSBURGH, PA 15241 | AFLAC | $220 | — | $220 | 0.59% |
| RIFFE CONSULTING GROUP LLC3 | 219 TIMBER RDG CRANSBERRY TWP, PA 16066 | AFLAC | $195 | — | $195 | 0.52% |
| STEVE J PADGELEK3 | 5500 BROOKTREE ROAD SUITE 102 WEXFORD, PA 15090 | AFLAC | $193 | — | $193 | 0.52% |
| HALEY E SCHMITT3 | 101 DEIMLING ROAD PITTSBURGH, PA 15229 | AFLAC | $163 | — | $163 | 0.43% |
| SJP & ASSOCIATES3 Filed as: SJP & ASSOCIATES, INC. | 5500 BROOKTREE ROAD SUITE 102 WEXFORD, PA 15090 | AFLAC | $130 | — | $130 | 0.35% |
| MATTHEW S MCCLAY3 Filed as: MATTHEW SCHAAL | 103 OVERBROOK DRIVE CRANSBERRY TWP, PA 16066 | AFLAC | $81 | — | $81 | 0.22% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN ROAD PITTSBURGH, PA 15237 | AFLAC | $80 | — | $80 | 0.21% |
| FREDERICK L ROSE3 | 3631 PUTTER POINT LANE FORT MYERS, FL 33919 | AFLAC | $42 | — | $42 | 0.11% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DRIVE SUITE 200 COLUMBIA, MO 65203 | AFLAC | $40 | — | $40 | 0.11% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TWP, PA 16066 | AFLAC | $34 | — | $34 | 0.09% |
| ROBERT D BURTON3 | 550 SOUTH AVENUE VERONA, PA 15147 | AFLAC | $31 | — | $31 | 0.08% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $18 | — | $18 | 0.05% |
| JOHN E HRIVNAK3 | 3900 INDUSTRIAL PARK DRIVE SUITE 11 ALTOONA, PA 16602 | AFLAC | $10 | — | $10 | 0.03% |
| KIMBERLEY A MUMFORD3 | 1415 SUNNY AVENUE NEW CASTLE, PA 16101 | AFLAC | $6 | — | $6 | 0.02% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE COURT GERMANTOWN HILLS, IA 61548 | AFLAC | $6 | — | $6 | 0.02% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $5 | — | $5 | 0.01% |
| ASHTON CONSULTING INC3 Filed as: ASHTON CONSULTING, INC. | 3606 RIDGEVIEW DRIVE SUITE 200 COLUMBIA, MO 65203 | AFLAC | $5 | — | $5 | 0.01% |
| ANCILLARY BENEFITS CONSULTING LLC3 | 1195 WASHINGTON PIKE SUITE 340 BRIDGEVILLE, PA 15017 | AFLAC | $4 | — | $4 | 0.01% |
| RUSSELL L WARYE3 Filed as: RUSSELL L WOODLEY | 2014 REIS RUN ROAD PITTSBURGH, PA 15237 | AFLAC | $4 | — | $4 | 0.01% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $3 | — | $3 | 0.01% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $3 | — | $3 | 0.01% |
| JOHN P FRICK3 | 724 HIGH STREET EXT DUNBAR, PA 15431 | AFLAC | $1 | — | $1 | 0.00% |
| KRISTIN J QUINLAN3 | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $1 | — | $1 | 0.00% |
| EUGENE MAMMOME3 | 15 HERITAGE LANE EXTON, PA 19341 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $1 | — | $1 | 0.00% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $866 | $2K | 9.13% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $937 | $3K | 16.19% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $596 | $3K | 18.56% |
| JAMES J BANASZAK3 | 463 INWOOD ROAD PITTSBURGH, PA 15237 | AFLAC | $714 | $34 | $748 | 11.06% |
| STEVE J PADGELEK3 | 428 LIBERTY ST HARMONY, PA 16037 | AFLAC | $125 | — | $125 | 1.85% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVENUE INDIANA, PA 15701 | AFLAC | $71 | $7 | $78 | 1.15% |
| HALEY E SCHMITT3 | 101 DEIMLING ROAD PITTSBURGH, PA 15229 | AFLAC | $53 | $7 | $60 | 0.89% |
| MICHAEL KELLY3 | 314 OAKMONT DRIVE PITTSBURGH, PA 15229 | AFLAC | $55 | — | $55 | 0.81% |
| RIFFE CONSULTING GROUP LLC3 | 219 TIMBER RDG CRANBERRY TWP, PA 16066 | AFLAC | $54 | — | $54 | 0.80% |
| MARIO HAIFA3 | 216 WARWICK DRIVE PITTSBURGH, PA 15241 | AFLAC | $38 | — | $38 | 0.56% |
| JOHN E HRIVNAK3 | 3900 INDUSTRIAL PARK DRIVE SUITE 11 ALTOONA, PA 16602 | AFLAC | $18 | — | $18 | 0.27% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANSBERRY TWP, PA 16066 | AFLAC | $17 | — | $17 | 0.25% |
| FREDERICK L ROSE3 | 3631 PUTTER POINT LANE FORT MYERS, FL 33919 | AFLAC | $14 | — | $14 | 0.21% |
| ASHTON CONSULTING INC3 Filed as: ASHTON CONSULTING, INC. | 3606 RIDGEVIEW DRIVE SUITE 200 COLUMBIA, MO 65203 | AFLAC | $8 | — | $8 | 0.12% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $8 | — | $8 | 0.12% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $3 | — | $3 | 0.04% |
| 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 | 0.01% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $1 | — | $1 | 0.01% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 311 | $2.4M |
| Vision | HIGHMARK | 383 | $19K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 255 | $39K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 255 | $21K |
| Prescription drug | HIGHMARK | 311 | $817K |
| Other(3 contracts, 2 carriers) | AFLAC | 255 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.