| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMPSON MCCRADY BENEFITS LLC3 | 1320 GRANT STREET PITTSBURGH, PA 15219 | HIGHMARK INC | $29K | — | $29K | 2.23% |
| ARMS INSURANCE GROUP LLC3 Filed as: ARMS INSURANCE GROUP, LLC | 3000 LENTO BLVD BETHEL PARK, PA 15102 | HIGHMARK INC | $9K | — | $9K | 0.72% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET, SUITE 1320 PITTSBURGH, PA 15219 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 8.81% |
| ETHAN R. RIFFE3 Filed as: ETHAN R RIFFE | 203 MEADOWBROOK DR CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 3.84% |
| JEFFREY CORREAL3 Filed as: JEFFREY S CORREAL | 253 S MOUNT VERNON AVE UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.20% |
| ELIZABETH A RIFFE3 | 203 MEADOWBROOK DR CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.53% |
| CINDY D CORREAL3 | 222 LONG SITE DRIVE STE DR 40 UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.98% |
| LAWRENCE W LATTA3 | 1195 WASHINGTON PIKE STE 340 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.63% |
| ETHAN R. RIFFE3 Filed as: ETHAN R RIFFE | 5500 BROOKTREE RD STE 102 WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.26% |
| JEFFREY CORREAL3 Filed as: JEFFREY W YOUNG | 75 CYCLE AVE UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $941 | — | $941 | 0.96% |
| AMY SLOKAN3 Filed as: AMY L SLOKAN | 204 KIRKWOOD DR CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $644 | — | $644 | 0.66% |
| DENISE A SZALMA3 | 5500 BROOKTREE RD STE 102 WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $631 | — | $631 | 0.64% |
| SARAH B WILSON3 | 550 BROOKETREE ROADS SUITE 102 WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $551 | — | $551 | 0.56% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE ROAD SUITE 300 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $513 | — | $513 | 0.52% |
| HALEY E SCHMITT3 Filed as: HALEY SCHMITT | 5500 BROOKTREE RD WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $483 | — | $483 | 0.49% |
| YENISE ZIMMERMAN3 | 1434 ELM ST GREENSBURG, PA 15601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $421 | — | $421 | 0.43% |
| JACQUELINE E O'DONNELL3 | 327 STANFORD AVE PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $398 | — | $398 | 0.41% |
| SJP & ASSOCIATES3 | 318 WINCHESTER CT CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $327 | — | $327 | 0.33% |
| CAROL D YURECHKO3 | 301 LEWIS AVE JEANNETTE, PA 15644 | CONTINENTAL AMERICAN INSURANCE COMPANY | $313 | — | $313 | 0.32% |
| LEANNE M CLARK3 | 133 ROLLING HILLS DR ZELIENOPLE, PA 16063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $261 | — | $261 | 0.27% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | — | $149 | 0.15% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.10% |
| RITA BERGSTEIN BENEFITS LLC3 Filed as: RITA M BERGSTEIN | 12260 RT 30 NORTH HUNTINGDON, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 0.09% |
| ADAM N STEINEL3 Filed as: ADAM STEINEL | 2216 TROLISTDE NORTH HUNTINGDON, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.08% |
| KAYLA MULLIGAN3 | 825 LINDA FLORA DR LOS ANGELES, CA 90049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.06% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: AARON R HIGGINBOTHAM | 405 WESTERN AVENUE APT 2 PITTSBURGH, PA 15215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.06% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.03% |
| VICKI J VELTRI3 | 1175 BALKAN DRIVE PITTSBURGH, PA 15239 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.02% |
| CAITLIN BERGSTEIN3 | 12260 ROUTE 30 NHT, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| AMANDA L KREPPS3 | 5500 BROOKTREE RD STE 102 WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| JASON D ROLINSKI3 | 550 BROOKETREE ROADS SUITE 102 WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| JOSEPH J KILIAN3 | 367 S. GULPH RD KING OF PRUSSIA, PA 19406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| ANN L CLAYPOOLE3 | 1932 FREEPORT RD KITTANNING, PA 16201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| JAMES DANIEL CRAWLEY3 | PO BOX 10655 PITTSBURGH, PA 15235 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| MARCO A TINOR3 | 5500 BROOKTREE RD STE 102 WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| GEORGE A BITTEL3 | 129 MARION DR MCMURRAY, PA 15317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| MELISSA AYOOB3 | 5500 BROOKTREE RD WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET, SUITE 1320 PITTSBURGH, PA 15219 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE CO | $6K | $1K | $7K | 12.00% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET, SUITE 1320 PITTSBURGH, PA 15219 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE CO | $6K | $1K | $7K | 12.00% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET, SUITE 1320 PITTSBURGH, PA 15219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $773 | $7K | 18.55% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET, SUITE 1320 PITTSBURGH, PA 15219 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 5.13% |
| KAREN L DENNIS3 | 101 PATRIOT LN SEWICKLEY, PA 15143 | AFLAC | $685 | — | $685 | 3.73% |
| KRISTIN J QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $268 | — | $268 | 1.46% |
| DONALD L BALLA JR3 | 310 GRANT ST STE 1320 PITTSBURGH, PA 15219 | AFLAC | $193 | — | $193 | 1.05% |
| JOSEPH W CALABRO SR3 | 2120 RIDGE DR MARS, PA 16046 | AFLAC | $87 | — | $87 | 0.47% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $85 | — | $85 | 0.46% |
| DEBORAH KOLLING3 | 1000 ADAMS POINTE BLVD # 206 MARS, PA 16046 | AFLAC | $84 | — | $84 | 0.46% |
| KAREN MARY REID3 | 1994 MIDDLE GRAVE CREEK RD MOUNDSVILLE, WV 26041 | AFLAC | $67 | — | $67 | 0.36% |
| DANIEL MCMAHON3 Filed as: DANIEL K MCMAHON | 185 BRADFORD RD STE 2 BRADFORDWOODS, PA 15015 | AFLAC | $64 | — | $64 | 0.35% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $63 | — | $63 | 0.34% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $57 | — | $57 | 0.31% |
| ASHTON CONSULTING INC3 | 2101 W BROADWAY STE 200 COLUMBIA, MO 65203 | AFLAC | $37 | — | $37 | 0.20% |
| AMY B CITRON3 | 1024 GRANADA AVE NASHVILLE, TN 37206 | AFLAC | $29 | — | $29 | 0.16% |
| ARTIS W KITCHENS3 | 8045 SAN RD FORT MYERS, FL 33967 | AFLAC | $24 | — | $24 | 0.13% |
| CHANIN LEE CARR3 | 899 NIXON LANE PORT ORANGE, FL 32129 | AFLAC | $22 | — | $22 | 0.12% |
| MARILYN WYMAN3 | 4276 STONE CREEK DR ERIE, PA 16506 | AFLAC | $21 | — | $21 | 0.11% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $19 | — | $19 | 0.10% |
| FREDERICK L ROSE3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $18 | — | $18 | 0.10% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN RD PITTSBURGH, PA 15237 | AFLAC | $17 | — | $17 | 0.09% |
| KENNETH D ROUSER3 | 4359 HARLANSBURG ROAD SLIPPERY ROCK, PA 16057 | AFLAC | $16 | — | $16 | 0.09% |
| JEREMY PLAISTED3 | 525 N MAIN ST BUTLER, PA 16001 | AFLAC | $15 | — | $15 | 0.08% |
| BILLY M CRAIN3 | 57 PICKERING ST BROOKVILLE, PA 15825 | AFLAC | $11 | — | $11 | 0.06% |
| DOUGLAS B RHODES3 | PO BOX 646 HOLLIDAYSBURG, PA 16648 | AFLAC | $10 | — | $10 | 0.05% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $10 | — | $10 | 0.05% |
| WILLIAMS-CLEAVELAND COMPANY3 Filed as: WILLIAMS CLEVELAND COMPANY | PO BOX 669 NEW CASTLE, PA 16101 | AFLAC | $8 | — | $8 | 0.04% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $5 | — | $5 | 0.03% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $3 | — | $3 | 0.02% |
| DOMINICK J LACARIA3 | 216 ROSCOMMON PLACE MCMURRAY, PA 15317 | AFLAC | $2 | — | $2 | 0.01% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET, SUITE 1320 PITTSBURGH, PA 15219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $292 | $3K | 19.02% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET, SUITE 1320 PITTSBURGH, PA 15219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $933 | $127 | $1K | 16.74% |
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 | 310 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 183 | $1.3M |
| Dental(2 contracts) | UNITED CONCORDIA LIFE AND HEALTH INSURANCE CO | 183 | $111K |
| Vision | VISION BENEFITS OF AMERICA | 180 | $20K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $21K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 310 | $137K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 91 | $39K |
| Prescription drug | HIGHMARK INC | 183 | $1.3M |
| Other(2 contracts, 2 carriers) | AFLAC | 181 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.