| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES J BANASZAK3 | 463 INWOOD RD PITTSBURGH, PA 15237 | AFLAC | $1K | $25 | $1K | 5.37% |
| HALEY E SCHMITT3 | 101 DEIMLING ROAD PITTSBURGH, PA 15229 | AFLAC | $1K | $6 | $1K | 4.70% |
| STEVE J PADGELEK3 | 5500 BROOKTREE ROAD SUITE 102 WEXFORD, PA 15090 | AFLAC | $314 | — | $314 | 1.19% |
| AMANDA C LONG3 Filed as: AMANDA LONG | 107 HIDDEN OAK DRIVE MARS, PA 16046 | AFLAC | $158 | $6 | $164 | 0.62% |
| ETHAN ROBERT RIFFE3 | 5500 BROOKTREE RD. STE 102 WEXFORD, PA 15090 | AFLAC | $100 | — | $100 | 0.38% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVENUE INDIANA, PA 15701 | AFLAC | $81 | — | $81 | 0.31% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN ROAD PITTSBURGH, PA 15237 | AFLAC | $61 | — | $61 | 0.23% |
| MATTHEW S MCCLAY3 Filed as: MATTHEW SCHAAL | 103 OVERBROOK DRIVE CRANSBERRY TWP, PA 16066 | AFLAC | $35 | — | $35 | 0.13% |
| FREDERICK L ROSE3 | 3631 PUTTER POINT LANE FORT MYERS, FL 33919 | AFLAC | $34 | — | $34 | 0.13% |
| ASHTON CONSULTING INC3 Filed as: ASHTON CONSULTING, INC. | 5962 SCREAMING EAGLE LANE COLUMBIA, MO 65201 | AFLAC | $32 | — | $32 | 0.12% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TWP, PA 16066 | AFLAC | $24 | — | $24 | 0.09% |
| ROBERT D BURTON3 | 550 SOUTH AVENUE VERONA, PA 15147 | AFLAC | $17 | — | $17 | 0.06% |
| RENEE PAPE3 | 507 BREST ROAD NEW CASTLE, PA 16105 | AFLAC | $13 | — | $13 | 0.05% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $9 | — | $9 | 0.03% |
| MICHAEL J KELLY3 | 314 OAKMONT DR. PITTSBURGH, PA 15229 | AFLAC | $6 | — | $6 | 0.02% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE COURT GERMANTOWN HILLS, IA 61548 | AFLAC | $4 | — | $4 | 0.02% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $4 | — | $4 | 0.02% |
| TIMOTHY R QUINLAN3 | PO BOX 387 CONNOQUENESSING, PA 16027 | AFLAC | $2 | — | $2 | 0.01% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $1 | — | $1 | 0.00% |
| EUGENE MAMMOME3 | 15 HERITAGE LANE EXTON, PA 19341 | AFLAC | $1 | — | $1 | 0.00% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 11.79% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | HARTFORD LIFE AND ACCIDENT | $211 | — | $211 | 0.82% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $366 | — | $366 | 3.74% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.89% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| HALEY E SCHMITT3 | 101 DEIMLING ROAD PITTSBURGH, PA 15229 | AFLAC | $675 | $12 | $687 | 13.28% |
| JAMES J BANASZAK3 | 463 INWOOD ROAD PITTSBURGH, PA 15237 | AFLAC | $238 | $5 | $243 | 4.70% |
| AMANDA C LONG3 Filed as: AMANDA LONG | 107 HIDDEN OAK DRIVE MARS, PA 16046 | AFLAC | $92 | $4 | $96 | 1.86% |
| STEVE J PADGELEK3 | 5500 BROOKTREE ROAD SUITE 102 WEXFORD, PA 15090 | AFLAC | $53 | — | $53 | 1.02% |
| ETHAN ROBERT RIFFE3 | 5500 BROOKTREE RD. STE 102 WEXFORD, PA 15090 | AFLAC | $35 | — | $35 | 0.68% |
| STEVE J PADGELEK3 | 428 LIBERTY STREET HARMONY, PA 16037 | AFLAC | $31 | — | $31 | 0.60% |
| JOHN E HRIVNAK3 | 3900 INDUSTRIAL PARK DRIVE SUITE 11 ALTOONA, PA 16602 | AFLAC | $16 | — | $16 | 0.31% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANSBERRY TWP, PA 16066 | AFLAC | $13 | — | $13 | 0.25% |
| FREDERICK L ROSE3 | 3631 PUTTER POINT LANE FORT MYERS, FL 33919 | AFLAC | $13 | — | $13 | 0.25% |
| ASHTON CONSULTING INC3 Filed as: ASHTON CONSULTING, INC. | 5962 SCREAMING EAGLE LN COLUMBIA, MO 65201 | AFLAC | $7 | — | $7 | 0.14% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVENUE INDIANA, PA 15701 | AFLAC | $6 | — | $6 | 0.12% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $5 | — | $5 | 0.10% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $2 | — | $2 | 0.04% |
| TIMOTHY R QUINLAN3 | PO BOX 387 CONNEQUENESSING, PA 16027 | AFLAC | $2 | — | $2 | 0.04% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $1 | — | $1 | 0.02% |
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 | 197 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HIGHMARK INC. | 291 | $12K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 210 | $44K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 210 | $35K |
| Other(4 contracts, 3 carriers) | AFLAC | 210 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.