| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMS INSURANCE GROUP LLC3 Filed as: ARMS INSURANCE GROUP, LLC | 3000 LENTO BLVD PITTSBURGH, PA 15102 | HIGHMARK INC | $32K | — | $32K | 2.32% |
| ARMS INSURANCE GROUP LLC3 Filed as: ARMS INSURANCE GROUP, LLC | 3000 LENTO BLVD BETHEL PARK, PA 15102 | HIGHMARK INC | $9K | — | $9K | 0.67% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET, SUITE 1320 PITTSBURGH, PA 15219 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.77% |
| ELIZABETH A RIFFE3 | 203 MEADOWBROOK DR CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.91% |
| JEFFREY CORREAL3 Filed as: JEFFREY S CORREAL | 253 S MOUNT VERNON AVE UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.16% |
| LAWRENCE W LATTA3 | 1195 WASHINGTON PIKE ROAD SUITE 340 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.05% |
| ETHAN R. RIFFE3 Filed as: ETHAN R RIFFE | 203 MEADOWBROOK DR CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.83% |
| CINDY D CORREAL3 | 222 LONG SITE DRIVE STE DR 40 UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $772 | — | $772 | 1.01% |
| SARAH B WILSON3 | 1618 ROYAL OAK DR SEWICKLEY, PA 15143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $347 | — | $347 | 0.45% |
| ETHAN R. RIFFE3 Filed as: ETHAN R RIFFE | 5500 BROOKETREE ROADS SUITE 102 WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $342 | — | $342 | 0.45% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE ROAD SUITE 300 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $325 | — | $325 | 0.42% |
| SJP & ASSOCIATES3 | 318 WINCHESTER CT CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $216 | — | $216 | 0.28% |
| STEPHANIE M CHRISTENSEN3 | 2233 MEADOWS DR MORGANTOWN, WV 26505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $198 | — | $198 | 0.26% |
| DENISE A SZALMA3 | 5500 BROOKETREE ROADS SUITE 102 WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $193 | — | $193 | 0.25% |
| MATTHEW S MCCLAY3 Filed as: MATTHEW J SCHAAL | 180 HAMPSHIRE DR CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $178 | — | $178 | 0.23% |
| AMY SLOKAN3 Filed as: AMY L SLOKAN | 204 KIRKWOOD DR CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173 | — | $173 | 0.23% |
| KIMBERLY A CARL3 | 111 TARTAN DR GREENSBURG, PA 15601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | 0.17% |
| RITA BERGSTEIN BENEFITS LLC3 Filed as: RITA M BERGSTEIN | 12260 ROUTE 30 NORTH HUNTINGDON, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | — | $129 | 0.17% |
| JEFFREY CORREAL3 Filed as: JEFFREY W YOUNG | 75 CYCLE AVE UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | — | $128 | 0.17% |
| HALEY E SCHMITT3 Filed as: HALEY SCHMITT | 329 STANFORD AVE PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | — | $122 | 0.16% |
| JANET RUPERTO3 | 119 WASHINGTON WAY PITTSBURGH, PA 15237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | — | $114 | 0.15% |
| JAMES B. SEIFERT3 Filed as: JAMES B SEIFERT | 120 MARGUERILE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 0.13% |
| JAMES B. SEIFERT3 Filed as: JAMES B SEIFERT | 120 MARGUERILE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 0.13% |
| JACQUELINE E O'DONNELL3 | 327 STANFORD AVE PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 0.13% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE ROAD SUITE 300 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | — | $89 | 0.12% |
| CAROL D YURECHKO3 | 301 LEWIS AVE JEANNETTE, PA 15644 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.11% |
| LEANNE M CLARK3 | 1005 TIMBERBROOK CT ZELIENOPLE, PA 16063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.10% |
| ADAM N STEINEL3 Filed as: ADAM STEINEL | 2216 TROLISTDE NORTH HUNTINGDON, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.09% |
| BRIAN W PATTEN3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.08% |
| YENISE ZIMMERMAN3 | 3347 STATE ROUTE 982 UNIT 105 A-A LATROBE, PA 15650 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.07% |
| KAYLA MULLIGAN3 | 10523 VALPARAISO ST LOS ANGELES, CA 90034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.06% |
| ERIN MARSTELLER3 Filed as: ERIN M MARSTELLER | 1195 WASHINGTON PIKE ROAD SUITE 300 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.05% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: AARON R HIGGINBOTHAM | 405 WESTERN AVENUE APT 2 PITTSBURGH, PA 15215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.05% |
| CAITLIN BERGSTEIN3 | 12260 ROUTE 30 NHT, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.05% |
| AMANDA L KREPPS3 | 430 STONE CHURCH RD HUNKER, PA 15639 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.04% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| VICKI J VELTRI3 | 1175 BALKAN DRIVE PITTSBURGH, PA 15239 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.03% |
| ANN L CLAYPOOLE3 | 1932 FREEPORT RD KITTANNING, PA 16201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| JOSEPH J KILIAN3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| JASON D ROLINSKI3 | 108 WATER ST IRWIN, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| JAMES DANIEL CRAWLEY3 | PO BOX 10655 PITTSBURGH, PA 15235 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| GARY S SEFCHOK3 Filed as: GARY R STOM | 1436 COLONY DR GREENSBURG, PA 15601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| MARCO A TINOR3 | 5500 BROOKETREE ROADS SUITE 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 BROOKETREE ROADS SUITE 102 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 | $5K | $402 | $6K | 9.88% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET, SUITE 1320 PITTSBURGH, PA 15219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $287 | $6K | 15.75% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET, SUITE 1320 PITTSBURGH, PA 15219 | VISION BENEFITS OF AMERICA | $502 | — | $502 | 2.38% |
| KAREN L DENNIS3 | PO BOX 168 CORRY, PA 16407 | AFLAC | $528 | — | $528 | 3.60% |
| KRISTIN J QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $199 | — | $199 | 1.36% |
| DONALD L BALLA JR3 | 310 GRANT ST STE 1320 PITTSBURGH, PA 15219 | AFLAC | $142 | — | $142 | 0.97% |
| JOSEPH W CALABRO SR3 | 2120 RIDGE DR MARS, PA 16046 | AFLAC | $74 | — | $74 | 0.50% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $66 | — | $66 | 0.45% |
| DEBORAH KOLLING3 | 1000 ADAMS POINTE BLVD # 206 MARS, PA 16046 | AFLAC | $60 | — | $60 | 0.41% |
| KAREN MARY REID3 | 1994 MIDDLE GRAVE CREEK RD MOUNDSVILLE, PA 26041 | AFLAC | $57 | — | $57 | 0.39% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $53 | — | $53 | 0.36% |
| DANIEL MCMAHON3 Filed as: DANIEL K MCMAHON | 185 BRADFORD RD STE 2 BRADFORDWOODS, PA 15015 | AFLAC | $47 | — | $47 | 0.32% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $46 | — | $46 | 0.31% |
| ASHTON CONSULTING INC3 | 2101 W BROADWAY STE 200 COLUMBIA, MO 65203 | AFLAC | $31 | — | $31 | 0.21% |
| AMY B CITRON | 1024 GRANADA AVE NASHVILLE, TN 37206 | AFLAC | $24 | — | $24 | 0.16% |
| ARTIS W KITCHENS3 | 8045 SAN RD FORT MYERS, FL 33967 | AFLAC | $21 | — | $21 | 0.14% |
| CHANIN LEE CARR3 | 555 WOODGROVE ST ORMOND BEACH, FL 32174 | AFLAC | $19 | — | $19 | 0.13% |
| MARILYN WYMAN3 | 4276 STONE CREEK DR ERIE, PA 16506 | AFLAC | $18 | — | $18 | 0.12% |
| JMP BENEFITS GROUP INC3 | 504 S MAIN ST STE 101 ZELIENOPLE, PA 16063 | AFLAC | $17 | — | $17 | 0.12% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $16 | — | $16 | 0.11% |
| JEREMY PLAISTED3 | 525 N MAIN ST BUTLER, PA 16001 | AFLAC | $15 | — | $15 | 0.10% |
| KENNETH D ROUSER3 | 4359 HARLANSBURG ROAD SLIPPERY ROCK, PA 16057 | AFLAC | $14 | — | $14 | 0.10% |
| FREDERICK L ROSE3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $12 | — | $12 | 0.08% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN RD PITTSBURGH, PA 15237 | AFLAC | $11 | — | $11 | 0.08% |
| BILLY M CRAIN3 | 57 PICKERING ST BROOKVILLE, PA 15825 | AFLAC | $10 | — | $10 | 0.07% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE ROAD SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $9 | — | $9 | 0.06% |
| DOUGLAS B RHODES3 | PO BOX 646 HOLLIDAYSBURG, PA 16648 | AFLAC | $9 | — | $9 | 0.06% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE ROAD SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $7 | — | $7 | 0.05% |
| WILLIAMS-CLEAVELAND COMPANY3 Filed as: WILLIAMS CLEVELAND COMPANY | PO BOX 669 NEW CASTLE, PA 16103 | AFLAC | $7 | — | $7 | 0.05% |
| THE TORRES GROUP LLC3 | 1750 FARMINGTON CIRCLE WELLINTON, TN 37919 | AFLAC | $7 | — | $7 | 0.05% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $5 | — | $5 | 0.03% |
| SHARON R GRANT3 | 4975 KINGSTON WAY NAPLES, FL 34119 | AFLAC | $4 | — | $4 | 0.03% |
| FREDERICK L ROSE3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $3 | — | $3 | 0.02% |
| JOHN P FRICK3 | 724 HIGH STREET EXT DUNBAR, PA 15431 | AFLAC | $2 | — | $2 | 0.01% |
| DOMINICK J LACARIA3 | 216 ROSCOMMON PLACE MCMURRAY, PA 15317 | AFLAC | $2 | — | $2 | 0.01% |
| MELISSA DAWN MCCLAIN3 | 104 WITHERTOWN RD SEWICKLEY, PA 15143 | AFLAC | $1 | — | $1 | 0.01% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET, SUITE 1320 PITTSBURGH, PA 15219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $108 | $2K | 15.76% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET, SUITE 1320 PITTSBURGH, PA 15219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $691 | $52 | $743 | 10.76% |
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 | 341 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 177 | $1.4M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE CO | 203 | $58K |
| Vision | VISION BENEFITS OF AMERICA | 192 | $21K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 234 | $21K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 341 | $115K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 76 | $38K |
| Prescription drug | HIGHMARK INC | 177 | $1.4M |
| Other(2 contracts, 2 carriers) | AFLAC | 234 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.