| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BOULEVARD PITTSBURGH, PA 152223602 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 4.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $2K | $14K | 10.72% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $1K | $11K | 11.38% |
| MATTHEW S MCCLAY3 Filed as: MATTHEW SCHAAL | 103 OVERBROOK DRIVE CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $622 | $56 | $678 | 3.69% |
| HALEY E SCHMITT3 | 101 DEIMLING ROAD PITTSBURGH, PA 15229 | AFLAC | $422 | $13 | $435 | 2.36% |
| STEVE J PADGELEK3 | 5500 BROOKTREE ROAD, SUITE 102 WEXFORD, PA 15090 | AFLAC | $244 | — | $244 | 1.33% |
| AMANDA C LONG3 Filed as: AMANDA C. LONG | 150 N. MEADOWS DRIVE WEXFORD, PA 15090 | AFLAC | $73 | $13 | $86 | 0.47% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $85 | — | $85 | 0.46% |
| MARIANNE E SULLIVAN3 | 305 WATERFORD COURT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $72 | — | $72 | 0.39% |
| MATTHEW S MCCLAY3 | 1086 MANSFIELD AVENUE INDIANA, PA 15701 | AFLAC | $70 | — | $70 | 0.38% |
| ETHAN ROBERT RIFFE3 | 5500 BROOKTREE ROAD, SUITE 102 WEXFORD, PA 15090 | AFLAC | $38 | — | $38 | 0.21% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 210 6TH AVENUE FLOOR 30 PITTSBURGH, PA 15222 | AFLAC | $24 | — | $24 | 0.13% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN ROAD PITTSBURGH, PA 15237 | AFLAC | $18 | — | $18 | 0.10% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $18 | — | $18 | 0.10% |
| 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 | 0.07% |
| CHANIN LEE CARR3 | 555 WOODGROVE STREET ORMOND BEACH, FL 32174 | AFLAC | $10 | — | $10 | 0.05% |
| PATIENCE M DANNA3 | 320 FORT DUQUESNE BLVD APT 24N PITTSBURGH, PA 15222 | AFLAC | $10 | — | $10 | 0.05% |
| ASHLEE O'DONNELL3 | 504 SOUTH MAIN STREET, SUITE 101 ZELIENOPLE, PA 16063 | AFLAC | $8 | — | $8 | 0.04% |
| EVAN BENJAMIN GERSON3 | 521 SALEM HEIGHTS DRIVE GIBSONIA, PA 15044 | AFLAC | $7 | — | $7 | 0.04% |
| CAROLINE OVIAL3 | 300 PERSHING STREET ELLWOOD CITY, PA 16117 | AFLAC | $7 | — | $7 | 0.04% |
| KRISTIN J QUINLAN3 | P.O. BOX 387 CONNOQUENESSING, PA 16027 | AFLAC | $6 | — | $6 | 0.03% |
| TYE ELLIOTT3 | 2315 W. PINNACLE DRIVE DUNLAP, IL 61525 | 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% |
| 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% |
| THE TORRES GROUP LLC3 | 1750 FARMINGTON CIRCLE WELLINTON, TN 37919 | AFLAC | $1 | — | $1 | 0.01% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY QUINLAN | P.O. BOX 387 CONNOQUENESSING, PA 16027 | AFLAC | $1 | — | $1 | 0.01% |
| DANIEL E TORRES3 Filed as: DANIEL E. TORRES | 301 JAMESON COURT SEVEN FIELDS, PA 16046 | AFLAC | $1 | — | $1 | 0.01% |
| RYAN P BENEDICT3 Filed as: RYAN P. BENEDICT | 2007 OVERLOOK COURT CANONSBURG, PA 15317 | 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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 809 | $4.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 511 | $181K |
| Vision | UPMC HEALTH BENEFITS | 813 | $31K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 546 | $129K |
| Short-term disability | AFLAC | 15 | $18K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 546 | $95K |
| Prescription drug | UPMC HEALTH OPTIONS | 809 | $4.4M |
| Other | UPMC HEALTH OPTIONS | 809 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 813 | — |
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.