| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY S SEFCHOK3 | 233 W PITTSBURGH ST GREENSBURG, PA 15601 | HIGHMARK INC | $14K | — | $14K | 3.01% |
| SEFCHOK & ASSOCIATES3 Filed as: SEFCHOK AND ASSOCIATES | 233 WEST PITTSBURGH ST GREENSBURG, PA 15601 | UPMC HEALTH OPTIONS | $14K | — | $14K | 3.62% |
| SEFCHOK & ASSOCIATES3 Filed as: SEFCHOK AND ASSOCIATES | 233 W PITTSBURGH ST GREENSBURG, PA 15601 | UPMC HEALTH BENEFITS | $6K | — | $6K | 8.44% |
| GARY S SEFCHOK3 | 223 WEST PITTSBURGH ST GREENSBURG, PA 15601 | DEARBORN NATIONAL | $5K | — | $5K | 13.96% |
| JANICE L ROSKEY3 | PO BOX 212 BOVARD, PA 15619 | AFLAC | $506 | — | $506 | 5.34% |
| BENEFIT ALTERNATIVES INC3 | 12 W PITTSBURGH ST GREENSBURG, PA 15601 | AFLAC | $352 | — | $352 | 3.71% |
| ANDREA STEARNS3 | 501 HOLIDAY DR PITTSBURGH, PA 15220 | AFLAC | $144 | — | $144 | 1.52% |
| RICHARD LOWMAN3 Filed as: RICHARD E LOWMAN II | 516 GRANDVIEW AVE PITTSBURGH, PA 15211 | AFLAC | $133 | — | $133 | 1.40% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE ROUTE 30 N HUNTINGDON, PA 15642 | AFLAC | $93 | — | $93 | 0.98% |
| JAMES B. SEIFERT3 Filed as: JAMES B SEIFERT | 157 MC COY PLACE RD SEWICKLEY, PA 15143 | AFLAC | $69 | — | $69 | 0.73% |
| GARY S SEFCHOK3 | PO BOX 1737 GREENSBURG, PA 15601 | AFLAC | $59 | — | $59 | 0.62% |
| RAMKRISHNA AGARWAL3 | 106 SHEFFIELD LANE MC MURRAY, PA 15317 | AFLAC | $49 | — | $49 | 0.52% |
| DOMINICK J LACARIA3 | 216 ROSCOMMON PLACE MC MURRAY, PA 15317 | AFLAC | $48 | — | $48 | 0.51% |
| JOHN W DRAY3 | 123 THOMAS RD MC MURRAY, PA 15317 | AFLAC | $46 | — | $46 | 0.49% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE BRIDGEVILLE, PA 15017 | AFLAC | $29 | — | $29 | 0.31% |
| KAREN L DENNIS3 | 101 PATRIOT LN SEWICKLEY, PA 15143 | AFLAC | $22 | — | $22 | 0.23% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $20 | — | $20 | 0.21% |
| DAVID K AGARWAL3 | PO BOX 15315 PITTSBURGH, PA 15237 | AFLAC | $19 | — | $19 | 0.20% |
| KRISTIN J QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $17 | — | $17 | 0.18% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR CRANBERRY TWSP, PA 16066 | AFLAC | $13 | — | $13 | 0.14% |
| DANIEL D BUSATTO3 | 721 SEWICKLEY ST GREENSBURG, PA 15601 | AFLAC | $12 | — | $12 | 0.13% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $11 | — | $11 | 0.12% |
| BRADLEY KAUFFMAN3 Filed as: BRADLEY KAUFMAN | 315 GREEN RIDGE RD NEW CASTLE, PA 16105 | AFLAC | $9 | — | $9 | 0.09% |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $8 | — | $8 | 0.08% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE BRIDGEVILLE, PA 15017 | AFLAC | $7 | — | $7 | 0.07% |
| THE TORRES GROUP LLC3 | 1750 FARMINGTON CIRCLE WELLINGTON, TN 37919 | AFLAC | $6 | — | $6 | 0.06% |
| JAMES G BRANDT3 | 47 MARVIN ST PORT MATILDA, PA 16870 | 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 | 180 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC | 228 | $836K |
| Dental | UPMC HEALTH BENEFITS | 278 | $77K |
| Vision | UPMC HEALTH BENEFITS | 278 | $77K |
| Life insurance | DEARBORN NATIONAL | 136 | $38K |
| Short-term disability | AFLAC | 16 | $9K |
| Long-term disability | DEARBORN NATIONAL | 136 | $38K |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK INC | 228 | $836K |
| Other | DEARBORN NATIONAL | 136 | $38K |
| 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."
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.