| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 | 920 FT. DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | AETNA LIFE INSURANCE CO. | $13K | — | $13K | 4.96% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $9K | $965 | $10K | 9.98% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | P.O. BOX 956012 ST LOUIS, MO 60675 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $947 | $947 | 0.93% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $6K | $575 | $6K | 10.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | P.O. BOX 956012 ST LOUIS, MO 60675 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $326 | $326 | 0.53% |
| MATTHEW S MCCLAY3 Filed as: MATTHEW SCHAAL | 103 OVERBROOK DRIVE CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $2K | $70 | $2K | 11.04% |
| HALEY E SCHMITT3 | 101 DEIMLING ROAD PITTSBURGH, PA 15229 | AFLAC | $666 | $8 | $674 | 3.54% |
| MATTHEW S MCCLAY3 | 1086 MANSFIELD AVENUE INDIANA, PA 15701 | AFLAC | $354 | $14 | $368 | 1.93% |
| STEVE J PADGELEK3 | 5500 BROOKTREE ROAD, SUITE 102 WEXFORD, PA 15090 | AFLAC | $244 | — | $244 | 1.28% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $187 | — | $187 | 0.98% |
| MARIANNE E SULLIVAN2 | 305 WATERFORD COURT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $72 | — | $72 | 0.38% |
| MARIO HAIFA3 | 216 WARWICK DRIVE PITTSBURGH, PA 15241 | AFLAC | $56 | — | $56 | 0.29% |
| ASSUREDPARTNERS4 Filed as: HDH GROUP INC | 210 6TH AVENUE FLOOR 30 PITTSBURGH, PA 15222 | AFLAC | $37 | — | $37 | 0.19% |
| MICHAEL J KELLY3 | 314 OAKMONT DRIVE PITTSBURGH, PA 15229 | AFLAC | $24 | $3 | $27 | 0.14% |
| ETHAN ROBERT RIFFE3 | 5500 BROOKTREE ROAD, SUITE 102 WEXFORD, PA 15090 | AFLAC | $22 | — | $22 | 0.12% |
| MARK A TRIBONE3 | 258 WISES GROVE ROAD NEW BRIGHTON, PA 15066 | AFLAC | $18 | — | $18 | 0.09% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN ROAD PITTSBURGH, PA 15237 | AFLAC | $18 | — | $18 | 0.09% |
| JOY GRUBE PADGELEK3 | 318 COTTINGHAM CIRCLE CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $14 | $4 | $18 | 0.09% |
| KRISTIN J QUINLAN3 | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $16 | — | $16 | 0.08% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $15 | — | $15 | 0.08% |
| DEBRA B BUSCH3 | 318 KERRY COURT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $13 | — | $13 | 0.07% |
| CHANIN LEE CARR3 | 555 WOODGROVE STREET ORMOND BEACH, FL 32174 | AFLAC | $10 | — | $10 | 0.05% |
| PATIENCE M DANNA3 | 320 FORT DUQUESNE BLVD APT 4E PITTSBURGH, PA 15222 | AFLAC | $10 | — | $10 | 0.05% |
| RIFFE CONSULTING GROUP LLC3 | 219 TIMBER RIDGE COURT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $9 | — | $9 | 0.05% |
| ASHLEE O'DONNELL3 | 504 SOUTH MAIN STREET SUITE 101 ZELIENOPLE, PA 16063 | AFLAC | $8 | — | $8 | 0.04% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $8 | — | $8 | 0.04% |
| CAROLINE OVIAL3 | 300 PERSHING STREET ELLWOOD CITY, PA 16117 | AFLAC | $7 | — | $7 | 0.04% |
| CASSEY A. WALKER3 Filed as: CASSEY ANN WALKER | 426 ALLEGHENY AVENUE ALIQUIPPA, PA 15001 | AFLAC | $7 | — | $7 | 0.04% |
| TYE ELLIOTT3 | 1300 NORTH INDEPENDENCE COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $7 | — | $7 | 0.04% |
| RIFFE CONSULTING GROUP LLC3 | 219 TIMBER RIDGE CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $6 | — | $6 | 0.03% |
| JESSICA L VANDENELSEN3 | 67 NORTH BRYANT AVENUE PITTSBURGH, PA 15202 | AFLAC | $5 | — | $5 | 0.03% |
| JMP BENEFITS GROUP INC3 | 504 SOUTH MAIN STREET SUITE 101 ZELIENOPLE, PA 16063 | AFLAC | $4 | — | $4 | 0.02% |
| THE TORRES GROUP LLC3 | 1750 FARMINGTON CIRCLE WELLINTON, TN 37919 | AFLAC | $4 | — | $4 | 0.02% |
| EVAN BENJAMIN GERSON3 | 521 SALEM HEIGHTS DRIVE GIBSONIA, PA 15044 | AFLAC | $3 | — | $3 | 0.02% |
| EVAN GERSON3 | 521 SALEM HEIGHTS DRIVE GIBSONIA, PA 15044 | AFLAC | $3 | — | $3 | 0.02% |
| JMP BENEFITS GROUP INC3 | 525 NORTH MAIN STREET BUTLER, PA 16001 | AFLAC | $3 | — | $3 | 0.02% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $3 | — | $3 | 0.02% |
| HEATHER BARTLEY3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $2 | — | $2 | 0.01% |
| TERESA L FOUTZ3 | 1877 LEALAND AVENUE POLAND, OH 44514 | AFLAC | $2 | — | $2 | 0.01% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY QUINLAN | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $1 | — | $1 | 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 | 480 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 739 | $4.0M |
| Dental | AETNA LIFE INSURANCE CO. | 615 | $252K |
| Vision | UPMC HEALTH BENEFITS | 690 | $31K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 480 | $102K |
| Short-term disability | AFLAC | 20 | $19K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 480 | $61K |
| Prescription drug | UPMC HEALTH OPTIONS | 739 | $4.0M |
| Other(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 739 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.