| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 | 920 FT. DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | AETNA LIFE INSURANCE CO. | $9K | — | $9K | 4.79% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $1K | $13K | 7.98% |
| MATTHEW S MCCLAY3 Filed as: MATTHEW SCHAAL | 103 OVERBROOK DRIVE CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $1K | $78 | $1K | 6.44% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $318 | — | $318 | 1.77% |
| STEVE J PADGELEK3 Filed as: STEVE J. PADGELEK | 5500 BROOKTREE ROAD, SUITE 102 WEXFORD, PA 15090 | AFLAC | $239 | — | $239 | 1.33% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVENUE INDIANA, PA 15701 | AFLAC | $209 | $22 | $231 | 1.29% |
| HALEY E SCHMITT3 Filed as: HALEY E. SCHMITT | 101 DEIMLING ROAD PITTSBURGH, PA 15229 | AFLAC | $196 | — | $196 | 1.09% |
| HALEY E SCHMITT3 Filed as: HALEY E. SCHMITT | 329 STANFORD AVENUE PITTSBURGH, PA 15229 | AFLAC | $149 | $43 | $192 | 1.07% |
| MICHAEL J KELLY3 Filed as: MICHAEL J. KELLY | 314 OAKMONT DRIVE PITTSBURGH, PA 15229 | AFLAC | $135 | — | $135 | 0.75% |
| SJP & ASSOCIATES3 Filed as: SJP & ASSOCIATES INC. | 4000 OLD STATION ROAD, APT 4101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $118 | — | $118 | 0.66% |
| MARIO HAIFA3 | 216 WARWICK DRIVE PITTSBURGH, PA 15241 | AFLAC | $93 | — | $93 | 0.52% |
| CASSEY A. WALKER3 Filed as: CASSEY ANN WALKER | 426 ALLEGHENY AVENUE ALIQUIPPA, PA 15001 | AFLAC | $86 | — | $86 | 0.48% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 210 6TH AVENUE, FLOOR 30 PITTSBURGH, PA 15222 | AFLAC | $84 | — | $84 | 0.47% |
| MARIANNE E SULLIVAN3 Filed as: MARIANNE E. SULLIVAN | 305 WATERFORD COURT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $81 | — | $81 | 0.45% |
| RIFFE CONSULTING GROUP LLC3 | 219 TIMBER RIDGE CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $63 | — | $63 | 0.35% |
| JOY GRUBE PADGELEK3 | 318 COTTINGHAM CIRCLE CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $31 | — | $31 | 0.17% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $25 | — | $25 | 0.14% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN J. QUINLAN | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $21 | — | $21 | 0.12% |
| MARK A TRIBONE3 Filed as: MARK S. TRIBONE | 258 WISES GROVE ROAD NEW BRIGHTON, PA 15066 | AFLAC | $18 | — | $18 | 0.10% |
| TEMPLE K WOODLEY3 Filed as: TEMPLE K. WOODLEY | 2014 REIS RUN ROAD PITTSBURGH, PA 15237 | AFLAC | $16 | — | $16 | 0.09% |
| CHARLES HALLQUIST3 | 114 BOOK AVENUE, APT 501 BEAVER FALLS, PA 15010 | AFLAC | $14 | — | $14 | 0.08% |
| DEBRA B BUSCH3 Filed as: DEBRA B. BUSCH | 318 KERRY COURT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $13 | — | $13 | 0.07% |
| JMP BENEFITS GROUP INC3 | 504 MAIN STREET, SUITE 101 ZELIENOPLE, PA 16063 | AFLAC | $12 | — | $12 | 0.07% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY R. QUINLAN | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $11 | — | $11 | 0.06% |
| TYE ELLIOTT3 | 1300 INDEPENDENCE COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $10 | — | $10 | 0.06% |
| CHANIN LEE CARR3 | 555 WOODGROVE STREET ORMOND BEACH, FL 32174 | AFLAC | $10 | — | $10 | 0.06% |
| JESSICA L VANDENELSEN3 Filed as: JESSICA L. VANDENELSEN | 67 NORTH BRYANT AVENUE PITTSBURGH, PA 15202 | AFLAC | $10 | — | $10 | 0.06% |
| PATIENCE M DANNA3 Filed as: PATIENCE M. DANNA | 320 FORT DUQUESNE BLVD, APT. 4E PITTSBURGH, PA 15222 | AFLAC | $10 | — | $10 | 0.06% |
| ASHLEE O'DONNELL3 | 504 MAIN STREET, SUITE 101 ZELIENOPLE, PA 16063 | AFLAC | $9 | — | $9 | 0.05% |
| CAROLINE OVIAL3 | 300 PERSHING STREET ELLWOOD CITY, PA 16117 | AFLAC | $7 | — | $7 | 0.04% |
| EVAN GERSON3 | 521 SALEM HEIGHTS DRIVE GIBSONIA, PA 15044 | AFLAC | $7 | — | $7 | 0.04% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $7 | — | $7 | 0.04% |
| PAMELA J WALKER3 Filed as: PAMELA J. WALKER | 7457 PRAIRIE ROAD NE ALBUQUERQUE, NM 87109 | AFLAC | $6 | — | $6 | 0.03% |
| QUALITY INSURANCE CONCEPTS INC3 | 339 6TH AVENUE, SUITE 720 PITTSBURGH, PA 15222 | AFLAC | $5 | — | $5 | 0.03% |
| JAMES G BRANDT3 Filed as: JAMES G. BRANDT | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $4 | — | $4 | 0.02% |
| HEATHER BARTLEY3 | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $2 | — | $2 | 0.01% |
| TERESA L FOUTZ3 Filed as: TERESA L. FOUTZ | 1877 LEALAND AVENUE POLAND, OH 44514 | AFLAC | $2 | — | $2 | 0.01% |
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 | 457 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 730 | $3.6M |
| Dental | AETNA LIFE INSURANCE CO. | 541 | $189K |
| Vision | UPMC HEALTH BENEFITS | 730 | $32K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 516 | $161K |
| Short-term disability | AFLAC | 23 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 516 | $161K |
| Prescription drug | UPMC HEALTH OPTIONS | 730 | $3.6M |
| Other(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 730 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.