| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 | 1010 OHIO RIVER BOULEVARD PITTSBURGH, PA 152022835 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $17 | $46K | 24.88% |
| MARILYN GOLDFISCHER3 | 124 W SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | AFLAC | $9K | $2K | $11K | 8.27% |
| RICHARD A KRASKI SR3 Filed as: RICHARD KRASKI SR | 1506 FALLOWFIELD AVENUE PITTSBURGH, PA 15216 | AFLAC | $7K | $1K | $8K | 6.12% |
| ZORN BENEFITS GROUP LLC3 | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $4K | $814 | $5K | 3.43% |
| CHRISTOPHER STROUD3 | 60 US HWY RTE 46 FAIRFIELD, NJ 07004 | AFLAC | $3K | $387 | $3K | 2.13% |
| THOMAS MCGARRY3 | 407 TRAILSIDE DRIVE SEWICKLEY, PA 15143 | AFLAC | $1K | $213 | $2K | 1.24% |
| KAYLIE A LING3 Filed as: KAYLIE SMITH | 610 RIVER AVENUE STE 230 PITTSBURGH, PA 15212 | AFLAC | $1K | $192 | $1K | 1.09% |
| MICHAEL FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $777 | $435 | $1K | 0.88% |
| KATIE MALISSA URAN3 Filed as: KATIE URAN | 218 SHERIDAN STREET CROWN POINT, IN 46307 | AFLAC | $975 | — | $975 | 0.71% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $647 | $216 | $863 | 0.63% |
| ELAINE A WRINKLE3 Filed as: ELAINE WRINKLE | 404 TICKSEED AVENUE SAVOY, IL 61874 | AFLAC | $811 | — | $811 | 0.59% |
| BARBARA A. LEONE INC3 Filed as: BARBARA LEONE | 14 SHEPPARD ROAD SAGAMORE BEACH, MA 02562 | AFLAC | $609 | $109 | $718 | 0.52% |
| MICHAEL FLEMING3 | 11186 BROKERS LANE IRWIN, PA 15642 | AFLAC | $382 | — | $382 | 0.28% |
| SUSAN MOSER3 | 10264 LAKOTA CT DEMOTTE, IN 46310 | AFLAC | $255 | $7 | $262 | 0.19% |
| JACKEY MCBRAYER3 | 12811 MIMOSA SPRING DRIVE TOMBALL, TX 77377 | AFLAC | $228 | — | $228 | 0.17% |
| DOUGLAS ELMORE3 | 1930 HIGHWAY 71E MANFIELD, AR 72944 | AFLAC | $183 | $44 | $227 | 0.17% |
| JAMES B. SEIFERT3 Filed as: JAMES SEIFERT | 157 MCCOY PLACE ROAD SEWICKLEY, PA 15143 | AFLAC | $203 | — | $203 | 0.15% |
| ASHTON CONSULTING INC3 | 2101 W BROADWAY STE 200 COLUMBIA, MO 65203 | AFLAC | $193 | — | $193 | 0.14% |
| TEMPLE K WOODLEY3 Filed as: TEMPLE WOODLEY | 2014 REIS RUN ROAD PITTSBURGH, PA 15237 | AFLAC | $179 | — | $179 | 0.13% |
| KELLY J WARREN3 Filed as: KELLY WARREN | 11037 BROADWAY STE C CROWN POINT, IN 46307 | AFLAC | $170 | $7 | $177 | 0.13% |
| BETH E FREDERICKSON3 Filed as: BETH FREDERICKSON | 1252 STEPHANIE DRIVE NORTH CALDWELL, NJ 07006 | AFLAC | $138 | $33 | $171 | 0.12% |
| FREDERICK L ROSE3 Filed as: FREDERICK ROSE | 810 RIVER AVENUE STE 230 PITTSBURGH, PA 15212 | AFLAC | $149 | — | $149 | 0.11% |
| BELINDA J DANIEL3 Filed as: BELINDA DANIEL | 4304 SHELBORNE DRIVE CHATTANOOGA, TN 37416 | AFLAC | $145 | — | $145 | 0.11% |
| MELISSA MALONEY3 | 3924 TRAILWAY DRIVE CHAMPAIGN, IL 61822 | AFLAC | $134 | — | $134 | 0.10% |
| CHRISTOPHER RYAN CORDON3 Filed as: CHRISTOPHER CORDON | 1080 BLACKHAWK DRIVE ELGIN, IL 60120 | AFLAC | $134 | — | $134 | 0.10% |
| SHARYL BATHE3 | 120 S 8TH STREET MATTOON, IL 61938 | AFLAC | $110 | — | $110 | 0.08% |
| CARRIE PATRICK3 | 641 W OLD FAITHFUL DRIVE HEBRON, IN 46341 | AFLAC | $93 | $12 | $105 | 0.08% |
| SHAW ASSOCIATES INC3 Filed as: SHAW ASSOCIATES, INC. | 222 FORBES ROAD SUITE 100 BRAINTREE, MA 02184 | AFLAC | $76 | $18 | $94 | 0.07% |
| TONYA SUE ELMORE3 Filed as: TONYA ELMORE | 1930 S HIGHWAY 71E MANSFIELD, AR 72944 | AFLAC | $88 | — | $88 | 0.06% |
| CHARITY KETCHUM3 | 5461 MEADOW AVENUE PORTAGE, IN 46368 | AFLAC | $70 | $9 | $79 | 0.06% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE SUITE 230 PITTSBURGH, PA 15212 | AFLAC | $57 | $15 | $72 | 0.05% |
| DANIEL P CLARK3 Filed as: DANIEL CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $53 | $18 | $71 | 0.05% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TWP, PA 16066 | AFLAC | $66 | — | $66 | 0.05% |
| AUDREY CARTER3 | 2521 PARK AVENUE VAN BUREN, AR 72956 | AFLAC | $36 | $16 | $52 | 0.04% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC | 1010 OHIO RIVER BLVD PITTSBURGH, PA 15202 | AFLAC | $51 | — | $51 | 0.04% |
| JEREMY S KLOKKENGA3 Filed as: JEREMY KLOKKENGA | 1355 N BLUFF ROAD STE A COLLINSVILLE, IL 62234 | AFLAC | $45 | — | $45 | 0.03% |
| BILLY DALE ELKINS3 Filed as: BILLY ELKINS | 1024 BOURLAND ROAD KELLER, TX 76248 | AFLAC | $39 | — | $39 | 0.03% |
| AMY GREEN3 | 715 E 53RD STREET SAVANNAH, GA 31405 | AFLAC | $26 | $12 | $38 | 0.03% |
| EARL CAULEY JR3 | 715 WOODKIRK CIR ALMA, AR 72921 | AFLAC | $28 | $9 | $37 | 0.03% |
| TONYA MOLES3 | PO BOX 451 DELAWARE, AR 72835 | AFLAC | $31 | $3 | $34 | 0.02% |
| BRAD FREDERIKSEN3 | 701 CHESTNUT STE 200 CONWAY, AR 72032 | AFLAC | $31 | — | $31 | 0.02% |
| HAYS COMPANIES, INC.3 Filed as: SCOTT HAYS | 1140 JAMES BLVD SIGNAL MOUNTAIN, TN 37377 | AFLAC | $29 | — | $29 | 0.02% |
| NAVILLE & ASSOCIATES3 | 14220 OVERBROOK DRIVE CARMEL, IN 46074 | AFLAC | $20 | $7 | $27 | 0.02% |
| SUSAN MOSER3 | 615 E FRANCISCAN DRIVE CROWN POINT, IN 46307 | AFLAC | $26 | — | $26 | 0.02% |
| THERESA CHAMBLISS3 | 800 ROCKMEAD DR STE 208 KINGWOOD, TX 77339 | AFLAC | $26 | — | $26 | 0.02% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $25 | — | $25 | 0.02% |
| TESSIE P CANTRELLE3 Filed as: TESSIE CANTRELLE | 1340 WEST TUNNEL BLVD STE 650 HOUMA, LA 70360 | AFLAC | $12 | $12 | $24 | 0.02% |
| DAVID MASON DOKELL3 Filed as: DAVID RICE | 175 CARRIAGE CLUB DR APT 8-101 MOORESVILLE, NC 28117 | AFLAC | $23 | — | $23 | 0.02% |
| KATRINA D AIKEN3 Filed as: KATRINA AIKEN | 2511 JUDITH STREET LYNCHBURG, VA 24501 | AFLAC | $21 | — | $21 | 0.02% |
| WAYNE G MCMEEN3 Filed as: WAYNE MCMEEN | 7902 COVE RIDGE DRIVE HIXSON, TN 37343 | AFLAC | $20 | — | $20 | 0.01% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE ROUTE 30 N HUNTINGDON, PA 15642 | AFLAC | $18 | — | $18 | 0.01% |
| MARC J FRITSCHE3 Filed as: MARC FRITSCHE | PO BOX 29218 CLEVELAND, OH 44129 | AFLAC | $14 | — | $14 | 0.01% |
| CURTIS WHEAT3 | 11145 N FRIENDSHIP ROAD MARTINSVILLE, IL 62442 | AFLAC | $10 | — | $10 | 0.01% |
| RONALD BENTLEY3 | 6301 FIELDCREST DRIVE FORT SMITH, AR 72916 | AFLAC | $10 | — | $10 | 0.01% |
| HERBERT P SHNIDER3 Filed as: HERBERT SHNIDER | 6192 MCNAUGHTEN GROVE LN COLUMBUS, OH 43213 | AFLAC | $9 | — | $9 | 0.01% |
| DOUGLAS ELMORE3 | 1930 S HIGHWAY 71E MANSFIELD, AR 72944 | AFLAC | $8 | — | $8 | 0.01% |
| KELLYANNE CAMPBELL3 | 105 WOODHAVEN COURT MADISON HEIGHTS, VA 24572 | AFLAC | $7 | — | $7 | 0.01% |
| FAY MARTIN3 | 19220 FOREST ROAD LYNCHBURG, VA 22936 | AFLAC | $4 | — | $4 | 0.00% |
| SABRINA ANN PARSONS3 Filed as: SABRINA PARSONS | 675 BENT OAKS DRIVE UNIT 723 EARLYSVILLE, VA 22936 | AFLAC | $4 | — | $4 | 0.00% |
| GARY W WARE JR3 Filed as: GARY WARE JR | 2306 VALLEYBROOK DR CHAMPAIGN, IL 61822 | AFLAC | $3 | — | $3 | 0.00% |
| QUINN, MEYER & ASSOCIATES3 Filed as: QUINN MEYER & ASSOCIATES | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES HILL SR | 9701 GAYTON RD STE 8 RICHMOND, VA 23238 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY WHITE3 | 8250 PORTERS CROSSING WAY WILMINGTON, NC 28411 | AFLAC | $2 | — | $2 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $2 | — | $2 | 0.00% |
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 | 1,022 | 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) | 1,025 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK | 886 | $153K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,022 | $186K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,022 | $186K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HIGHMARK CASUALTY INSURANCE COMPANY | 365 | $361K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,022 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,022 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.