| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 | 920 FT. DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 5.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $11K | $2K | $13K | 11.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $8K | $1K | $9K | 11.72% |
| MATTHEW S MCCLAY3 Filed as: MATTHEW SCHAAL | 103 OVERBROOK DRIVE CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $1K | — | $1K | 6.04% |
| HALEY E SCHMITT3 | 101 DEIMLING ROAD PITTSBURGH, PA 15229 | AFLAC | $514 | — | $514 | 2.65% |
| STEVE J PADGELEK3 | 5500 BROOKTREE ROAD, SUITE 102 WEXFORD, PA 15090 | AFLAC | $244 | — | $244 | 1.26% |
| AMANDA C LONG3 Filed as: AMANDA C. LONG | 107 HIDDEN OAK DRIVE MARS, PA 16046 | AFLAC | $131 | — | $131 | 0.67% |
| MATTHEW S MCCLAY3 | 1086 MANSFIELD AVENUE INDIANA, PA 15701 | AFLAC | $79 | — | $79 | 0.41% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $76 | — | $76 | 0.39% |
| MARIANNE E SULLIVAN3 | 305 WATERFORD COURT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $72 | — | $72 | 0.37% |
| ETHAN ROBERT RIFFE3 | 5500 BROOKTREE ROAD, SUITE 102 WEXFORD, PA 15090 | AFLAC | $38 | — | $38 | 0.20% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 210 6TH AVENUE FLOOR 30 PITTSBURGH, PA 15222 | AFLAC | $24 | — | $24 | 0.12% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN ROAD PITTSBURGH, PA 15237 | AFLAC | $18 | — | $18 | 0.09% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $18 | — | $18 | 0.09% |
| DEBRA B BUSCH3 | 318 KERRY COURT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $13 | — | $13 | 0.07% |
| MICHAEL J KELLY3 | 314 OAKMONT DRIVE PITTSBURGH, PA 15229 | AFLAC | $12 | — | $12 | 0.06% |
| JOY GRUBE PADGELEK3 | 318 COTTINGHAM CIRCLE CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $10 | — | $10 | 0.05% |
| PATIENCE M DANNA3 | 320 FORT DUQUESNE BLVD, APT 4E PITTSBURGH, PA 15222 | AFLAC | $10 | — | $10 | 0.05% |
| CHANIN LEE CARR3 | 555 WOODGROVE STREET ORMOND BEACH, FL 32174 | AFLAC | $10 | — | $10 | 0.05% |
| ASHLEE O'DONNELL3 | 504 SOUTH MAIN STREET SUITE 101 ZELIENOPLE, PA 16063 | AFLAC | $8 | — | $8 | 0.04% |
| CAROLINE OVIAL3 | 300 PERSHING STREET ELLWOOD CITY, PA 16117 | AFLAC | $7 | — | $7 | 0.04% |
| EVAN BENJAMIN GERSON3 | 521 SALEM HEIGHTS DRIVE GIBSONIA, PA 15044 | AFLAC | $7 | — | $7 | 0.04% |
| KRISTIN J QUINLAN3 | P.O. BOX 387 CONNOQUENESSING, PA 16027 | AFLAC | $6 | — | $6 | 0.03% |
| TYE ELLIOTT3 | 1300 NORTH INDEPENDENCE COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $4 | — | $4 | 0.02% |
| JESSICA L VANDENELSEN3 | 154 ELMWOOD DRIVE GLENSHAW, PA 15116 | AFLAC | $4 | — | $4 | 0.02% |
| JMP BENEFITS GROUP INC3 | 504 SOUTH MAIN STREET, SUITE 101 ZELIENOPLE, PA 16063 | AFLAC | $3 | — | $3 | 0.02% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $3 | — | $3 | 0.02% |
| THE TORRES GROUP LLC3 | 1750 FARMINGTON CIRCLE WELLINTON, TN 37919 | AFLAC | $2 | — | $2 | 0.01% |
| 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% |
| RYAN P BENEDICT3 Filed as: RYAN P. BENEDICT | 1143 CEDAR BOULEVARD PITTSBURGH, PA 15228 | 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 | 502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 744 | $3.9M |
| Dental | AETNA LIFE INSURANCE CO. | 621 | $266K |
| Vision | UPMC HEALTH BENEFITS | 1,450 | $26K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 493 | $113K |
| Short-term disability | AFLAC | 16 | $19K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 493 | $81K |
| Prescription drug | UPMC HEALTH OPTIONS | 744 | $3.9M |
| Other | UPMC HEALTH OPTIONS | 744 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,450 | — |
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.