| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY S SEFCHOK3 | 223 W PITTSBURGH ST GREENSBURG, PA 15601 | HIGHMARK INC | $14K | — | $14K | 3.61% |
| EMERSON REID LLC3 | 1395 WALT WHITMAN RD MELVILLE, NY 11747 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 5.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE HAMBRIGHT & DAVIES | PO BOX 11600 LANCASTER, PA 17601 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 3.83% |
| JOHN WOOLISCROFT3 Filed as: JOHN W SELTZER | 750 WASHINGTON RD PITTSBURGH, PA 15228 | AMERITAS LIFE INSURANCE CORP | $360 | — | $360 | 0.59% |
| GARY S SEFCHOK3 | 223 W PITTSBURGH ST GREENSBURG, PA 15601 | DEARBORN NATIONAL | $8K | — | $8K | 12.91% |
| SEFCHOK & ASSOCIATES3 | 233 W PITTSBURGH ST GREENSBURG, PA 15601 | UPMC HEALTH BENEFITS | $295 | — | $295 | 4.00% |
| BENEFIT ALTERNATIVES INC3 | 12 W PITTSBURGH STREET GREENSBURG, PA 15601 | AFLAC | $117 | — | $117 | 3.03% |
| JANICE L ROSKEY3 | PO BOX 212 BOVARD, PA 15619 | AFLAC | $91 | — | $91 | 2.36% |
| RICHARD LOWMAN3 Filed as: RICHARD E LOWMAN II | 516 GRANDVIEW AVENUE PITTSBURGH, PA 15211 | AFLAC | $51 | — | $51 | 1.32% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE RT 30 N HUNTINGDON, PA 15642 | AFLAC | $40 | — | $40 | 1.04% |
| ANDREA STEARNS3 | PO BOX 323 BETHEL PARK, PA 15102 | AFLAC | $39 | — | $39 | 1.01% |
| GARY S SEFCHOK3 | PO BOX 1737 GREENSBURG, PA 15601 | AFLAC | $25 | — | $25 | 0.65% |
| DOMINIC J LACARIA3 | 216 ROSCOMMON PL MCMURRAY, PA 15317 | AFLAC | $24 | — | $24 | 0.62% |
| RAMKRISHNA AGARWAL3 | 106 SHEFFIELD LANE MCMURRAY, PA 15317 | AFLAC | $24 | — | $24 | 0.62% |
| JOHN W DRAY3 | 123 THOMAS RD MCMURRAY, PA 15317 | AFLAC | $20 | — | $20 | 0.52% |
| DAVID K AGARWAL3 | PO BOX 15315 PITTSBURGH, PA 15237 | AFLAC | $10 | — | $10 | 0.26% |
| MARIO HAIFA3 | 216 WARWICK DR PITTSBURGH, PA 15241 | AFLAC | $10 | — | $10 | 0.26% |
| KAREN L DENNIS3 | 101 PATRIOT LN SEWICKLEY, PA 15143 | AFLAC | $9 | — | $9 | 0.23% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $8 | — | $8 | 0.21% |
| KRISTIN J QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $7 | — | $7 | 0.18% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR CRANBERRY TWSP, PA 16066 | AFLAC | $6 | — | $6 | 0.16% |
| JAMES B. SEIFERT3 Filed as: JAMES B SEIFERT | 157 MCCOY PLACE RD SEWICKLEY, PA 15143 | AFLAC | $6 | — | $6 | 0.16% |
| DANIEL D BUSATTO3 | 721 SEWICKLEY ST GREENSBURG, PA 15601 | AFLAC | $6 | — | $6 | 0.16% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $5 | — | $5 | 0.13% |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $4 | — | $4 | 0.10% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE BRIDGEVILLE, PA 15017 | AFLAC | $3 | — | $3 | 0.08% |
| BRADLEY KAUFFMAN3 | 3009 WILMINGTON RD NEW CASTLE, PA 16105 | AFLAC | $3 | — | $3 | 0.08% |
| THE TORRES GROUP LLC3 | 1750 FARMINGTON CIRCLE WELLINTON, TN 37919 | AFLAC | $2 | — | $2 | 0.05% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 225 | $378K |
| Dental | AMERITAS LIFE INSURANCE CORP | 325 | $61K |
| Vision | UPMC HEALTH BENEFITS | 267 | $7K |
| Life insurance | DEARBORN NATIONAL | 145 | $59K |
| Short-term disability | AFLAC | 1 | $4K |
| Long-term disability | DEARBORN NATIONAL | 145 | $59K |
| Prescription drug | HIGHMARK INC | 225 | $378K |
| Other | DEARBORN NATIONAL | 145 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.