| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEFCHOK & ASSOCIATES3 Filed as: SEFCHOK AND ASSOCIATES | 233 WEST PITTSBURGH ST GREENSBURG, PA 15601 | UPMC HEALTH OPTIONS | $26K | — | $26K | 3.00% |
| SEFCHOK & ASSOCIATES3 Filed as: SEFCHOK AND ASSOCIATES | 233 WEST PITTSBURGH ST GREENSBURG, PA 15601 | UPMC BENEFITS | $7K | — | $7K | 7.89% |
| GARY S SEFCHOK3 | 233 WEST PITTSBURGH STREET GREENSBURG, PA 15601 | DEAR BORN NATIONAL | $5K | — | $5K | 14.60% |
| JANICE L ROSKEY3 | PO BOX 212 BOVARD, PA 15619 | AFLAC | $389 | $24 | $413 | 4.11% |
| BENEFIT ALTERNATIVES INC3 | 12 W PITTSBURGH STREET GREENSBURG, PA 15601 | AFLAC | $268 | $23 | $291 | 2.90% |
| RICHARD LOWMAN3 Filed as: RICHARD E. LOWMAN II | 516 GRAND VIEW AVENUE PITTSBURGH, PA 15211 | AFLAC | $187 | $9 | $196 | 1.95% |
| RITA BERGSTEIN BENEFITS LLC3 Filed as: RITA BERGSTEIN BENEFITS, LLC | 12260 STATE RT 30 N HUNTINGDON, PA 15642 | AFLAC | $93 | — | $93 | 0.93% |
| ANDREA STEARNS3 | 1195 WASHINGTON PIKE BRIDGEVILLE, PA 15017 | AFLAC | $71 | $9 | $80 | 0.80% |
| GARY S SEFCHOK3 | PO BOX 1737 GREENSBURG, PA 15601 | AFLAC | $59 | — | $59 | 0.59% |
| DOMINICK J LACARIA3 | 216 ROSCOMMON PLACE MC MURRAY, PA 15317 | AFLAC | $52 | — | $52 | 0.52% |
| RAMKRISHNA AGARWAL3 | 106 SHEFFIELD LANE MC MURRAY, PA 15317 | AFLAC | $52 | — | $52 | 0.52% |
| JOHN W DRAY3 | 123 THOMAS RD MC MURRAY, PA 15317 | AFLAC | $46 | — | $46 | 0.46% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE BRIDGEVILLE, PA 15017 | AFLAC | $41 | — | $41 | 0.41% |
| ANDREA STEARNS3 | 501 HOLIDAY DRIVE FOSTER PLAZA A SUITE 120 PITTSBURGH, PA 15220 | AFLAC | $35 | — | $35 | 0.35% |
| DAVID K AGARWAL3 | P O BOX 15315 PITTSBURG, PA 15237 | AFLAC | $32 | — | $32 | 0.32% |
| KAREN L DENNIS3 | P O BOX 168 CORRY, PA 16407 | AFLAC | $22 | — | $22 | 0.22% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $20 | — | $20 | 0.20% |
| KRISTIN J QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $17 | — | $17 | 0.17% |
| JAMES BRADLEY SEIFERT3 | 157 MCCOY PLACE RD SEWICKLEY, PA 15143 | AFLAC | $14 | — | $14 | 0.14% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $13 | — | $13 | 0.13% |
| DANIEL D BUSATTO3 Filed as: DANIEL L BUSATTO | 721 SEWICKLEY ST GREENSBURG, PA 15601 | AFLAC | $13 | — | $13 | 0.13% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR CRANBERRY TWSP, PA 16066 | AFLAC | $11 | — | $11 | 0.11% |
| BRADLEY KAUFFMAN3 Filed as: BRADLEY CAUFFMAN | 315 GREEN RIDGE ROAD NEW CASTLE, PA 16105 | AFLAC | $9 | — | $9 | 0.09% |
| BLACK ROK BENEFIT ALLIANCE LLC3 Filed as: BLACK ROCK BENEFIT ALLIANCE LLC | P O BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $9 | — | $9 | 0.09% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE BRIDGEVILLE, PA 15017 | AFLAC | $3 | — | $3 | 0.03% |
| THE TORRES GROUP LLC3 | 1750 FARMINGTON CIRCLE WELLINGTON, TN 37919 | AFLAC | $2 | — | $2 | 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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 208 | $855K |
| Dental | UPMC BENEFITS | 278 | $84K |
| Vision | UPMC BENEFITS | 278 | $84K |
| Life insurance | DEAR BORN NATIONAL | 81 | $34K |
| Short-term disability | AFLAC | 16 | $10K |
| Long-term disability | DEAR BORN NATIONAL | 81 | $34K |
| Prescription drug | UPMC HEALTH OPTIONS | 208 | $855K |
| Other | DEAR BORN NATIONAL | 81 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.