| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HRH CONSULTING3 | 600 GRANT STREET, SUITE 5500 PITTSBURGH, PA 15219 | UPMC HEALTH OPTIONS | $67K | — | $67K | 2.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 444 LIBERTY AVENUE STE 505 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $5K | $16K | 3.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 444 LIBERTY AVENUE SUITE 505 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $754 | $7K | 10.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 444 LIBERTY AVENUE, STE 505 PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 5.00% |
| MARIANNE E SULLIVAN3 | 305 WATERFORD COURT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $1K | — | $1K | 3.93% |
| SJP & ASSOCIATES3 Filed as: SJP & ASSOCIATES INC | 504 S MAIN STREET STE 101 ZELIENOPLE, PA 15212 | AFLAC | $929 | $49 | $978 | 3.66% |
| RIFFE CONSULTING GROUP LLC3 Filed as: RIFFE CONSULTING GROUP, LLC | 203 MEADOWBROOK DRIVE CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $259 | $23 | $282 | 1.06% |
| MARIO HAIFA3 Filed as: MARIO HAIFE | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $192 | $23 | $215 | 0.81% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDESON BROTHERS, INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | AFLAC | $200 | — | $200 | 0.75% |
| PAMELA J WALKER3 | 7457 PRAIRIE RD NE ALBUQUERQUE, NM 87109 | AFLAC | $166 | — | $166 | 0.62% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $157 | — | $157 | 0.59% |
| KRISTIN J QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $148 | — | $148 | 0.55% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $120 | — | $120 | 0.45% |
| RONALD W ANDERSON3 | 612 WYANDOTTE STREET IRWIN, PA 15642 | AFLAC | $100 | — | $100 | 0.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | 26 CENTURY BOULEVARD 4TH FLOOR SOUTH NASHVILLE, TN 37214 | AFLAC | $89 | — | $89 | 0.33% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $71 | — | $71 | 0.27% |
| KENNETH J HOFFMAN3 | N65 W13544 COBBLESTONE COURT MENOMONEE FALLS, WI 53051 | AFLAC | $62 | — | $62 | 0.23% |
| DOMINICK J LACARIA3 | 216 ROSCOMMON PLACE MCMURRAY, PA 15317 | AFLAC | $48 | — | $48 | 0.18% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $45 | — | $45 | 0.17% |
| VICKI J VELTRI3 | 1175 BALKAN DRIVE PITTSBURGH, PA 15239 | AFLAC | $41 | — | $41 | 0.15% |
| CHANIN LEE CARR3 | 899 NIXON LANE PORT ORANGE, FL 32129 | AFLAC | $41 | — | $41 | 0.15% |
| LISA G ANDERSON3 | 310 ASTILBE DRIVE KENNETT SQUARE, PA 19348 | AFLAC | $36 | — | $36 | 0.13% |
| JESSICA L HAIFA3 | 216 WARWICK DRIVE PITTSBURGH, PA 15241 | AFLAC | $35 | — | $35 | 0.13% |
| JAMES J BANASZAK3 | 463 INWOOD ROAD PITTSBURGH, PA 15237 | AFLAC | $33 | — | $33 | 0.12% |
| OWENMYRTLE INC3 Filed as: OWENMYRTLE, INC. | 1611 ST ANDREWS DRIVE STE 22 LAWRENCE, KS 66047 | AFLAC | $28 | — | $28 | 0.10% |
| ASHTON CONSULTING INC3 Filed as: ASHTON CONSULTING, INC. | 2101 W BROADWAY SUITE 200 COLUMBIA, MO 65203 | AFLAC | $21 | — | $21 | 0.08% |
| FREDERICK L ROSE3 | 810 RIVER AVENUE SUITE 230 PITTSBURGH, PA 15212 | AFLAC | $11 | — | $11 | 0.04% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN ROAD PITTSBURGH, PA 15237 | AFLAC | $9 | — | $9 | 0.03% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE ROUTE 30 N HUNTIGNDON, PA 15642 | AFLAC | $7 | — | $7 | 0.03% |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 721 | $3.1M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 834 | $263K |
| Vision | VISION BENEFITS OF AMERICA | 300 | $39K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 327 | $433K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 327 | $433K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 327 | $525K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 834 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.