| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES J BANASZAK3 | 463 INWOOD DRIVE PITTSBURGH, PA 15237 | AFLAC | $3K | $102 | $4K | 10.66% |
| HALEY E SCHMITT3 | 101 DEIMLING ROAD PITTSBURGH, PA 15229 | AFLAC | $890 | $20 | $910 | 2.74% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVENUE INDIANA, PA 15701 | AFLAC | $453 | $20 | $473 | 1.42% |
| STEVE J PADGELEK3 | 5500 BROOKTREE ROAD SUITE 102 WEXFORD, PA 15090 | AFLAC | $447 | — | $447 | 1.34% |
| RENEE PAPE3 | 507 BREST ROAD NEW CASTLE, PA 16105 | AFLAC | $286 | — | $286 | 0.86% |
| MARIO HAIFA3 | 216 WARWICK DRIVE PITTSBURGH, PA 15241 | AFLAC | $204 | — | $204 | 0.61% |
| RIFFE CONSULTING GROUP LLC3 | 219 TIMBER RDG CRANSBERRY TWP, PA 16066 | AFLAC | $129 | — | $129 | 0.39% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN ROAD PITTSBURGH, PA 15237 | AFLAC | $71 | — | $71 | 0.21% |
| MATTHEW S MCCLAY3 Filed as: MATTHEW SCHAAL | 103 OVERBROOK DRIVE CRANSBERRY TWP, PA 16066 | AFLAC | $62 | — | $62 | 0.19% |
| PATTI AMATO3 | 312 EDGEWOOD DRIVE TURTLE CREEK, PA 15145 | AFLAC | $40 | — | $40 | 0.12% |
| FREDERICK L ROSE3 | 3631 PUTTER POINT LANE FORT MYERS, FL 33919 | AFLAC | $37 | — | $37 | 0.11% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DRIVE SUITE 200 COLUMBIA, MO 65203 | AFLAC | $35 | — | $35 | 0.11% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TWP, PA 16066 | AFLAC | $29 | — | $29 | 0.09% |
| JONATHAN DAVID BESWARICK3 | 2200 INSURANCE DRIVE FORT WAYNE, IN 46825 | AFLAC | $22 | — | $22 | 0.07% |
| ROBERT D BURTON3 | 550 SOUTH AVENUE VERONA, PA 15147 | AFLAC | $19 | — | $19 | 0.06% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $13 | — | $13 | 0.04% |
| ETHAN ROBERT RIFFE3 | 5500 BROOKTREE ROAD SUITE 102 WEXFORD, PA 15090 | AFLAC | $10 | — | $10 | 0.03% |
| EVAN GERSON3 | 521 SALEM HEIGHTS ROAD GIBSONIA, PA 15044 | AFLAC | $10 | — | $10 | 0.03% |
| JOHN E HRIVNAK3 | 3900 INDUSTRIAL PARK DRIVE SUITE 11 ALTOONA, PA 16602 | AFLAC | $7 | — | $7 | 0.02% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE COURT GERMANTOWN HILLS, IA 61548 | AFLAC | $5 | — | $5 | 0.02% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $5 | — | $5 | 0.02% |
| 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 | $1 | — | $1 | 0.00% |
| JOHN P FRICK3 | 724 HIGH STREET EXT DUNBAR, PA 15431 | AFLAC | $1 | — | $1 | 0.00% |
| EUGENE MAMMOME3 | 15 HERITAGE LANE EXTON, PA 19341 | 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 | $2K | $3K | 12.65% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 21.66% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.52% |
| JAMES J BANASZAK3 | 463 INWOOD ROAD PITTSBURGH, PA 15237 | AFLAC | $821 | $54 | $875 | 10.53% |
| MICHAEL KELLY3 | 314 OAKMONT DRIVE PITTSBURGH, PA 15229 | AFLAC | $103 | $11 | $114 | 1.37% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVENUE INDIANA, PA 15701 | AFLAC | $94 | $11 | $105 | 1.26% |
| STEVE J PADGELEK3 | 5500 BROOKTREE ROAD SUITE 102 WEXFORD, PA 15090 | AFLAC | $91 | — | $91 | 1.09% |
| HALEY E SCHMITT3 | 101 DEIMLING ROAD PITTSBURGH, PA 15229 | AFLAC | $55 | — | $55 | 0.66% |
| RIFFE CONSULTING GROUP LLC3 | 219 TIMBER RDG CRANBERRY TWP, PA 16066 | AFLAC | $45 | — | $45 | 0.54% |
| STEVE J PADGELEK3 | 428 LIBERTY STREET HARMONY, PA 16037 | AFLAC | $43 | — | $43 | 0.52% |
| MARIO HAIFA3 | 216 WARWICK DRIVE PITTSBURGH, PA 15241 | AFLAC | $41 | — | $41 | 0.49% |
| JOHN E HRIVNAK3 | 3900 INDUSTRIAL PARK DRIVE SUITE 11 ALTOONA, PA 16602 | AFLAC | $19 | — | $19 | 0.23% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANSBERRY TWP, PA 16066 | AFLAC | $18 | — | $18 | 0.22% |
| FREDERICK L ROSE3 | 3631 PUTTER POINT LANE FORT MYERS, FL 33919 | AFLAC | $15 | — | $15 | 0.18% |
| ETHAN ROBERT RIFFE3 | 5500 BROOKTREE ROAD SUITE 102 WEXFORD, PA 15090 | AFLAC | $13 | — | $13 | 0.16% |
| ASHTON CONSULTING INC3 Filed as: ASHTON CONSULTING, INC. | 3606 RIDGEVIEW DRIVE SUITE 200 COLUMBIA, MO 65203 | AFLAC | $8 | — | $8 | 0.10% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $8 | — | $8 | 0.10% |
| 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 | 0.02% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $2 | — | $2 | 0.02% |
| 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 | 240 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 312 | $2.4M |
| Vision | HIGHMARK | 354 | $22K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $23K |
| Prescription drug | HIGHMARK | 312 | $841K |
| Other(3 contracts, 2 carriers) | AFLAC | 233 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.