| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HRH CONSULTING3 | USX TOWER, SUITE 5500 600 GRANT STREET PITTSBURGH, PA 15219 | UPMC HEALTH OPTIONS | $45K | — | $45K | 1.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 404 LIBERTY AVE., 4 GATEWAY CENTER SUITE 505 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $37K | — | $37K | 0.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | FOUR GATEWAY CTR 444 LIBERTY AVE STE 505 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $8K | $21K | 2.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | ONE PPG PLACE STE 1000 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 2.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | PO BOX 32090 NEW YORK, NY 10087 | UNITED CONCORDIA INSURANCE COMPANY | $9K | — | $9K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | ONE PPG PLACE SUITE 600 PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $4K | — | $4K | 10.00% |
| SJP & ASSOCIATES3 Filed as: SJP & ASSOCIATES, INC. | 4000 OLD STATION ROAD APT 4101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $411 | — | $411 | 1.52% |
| STEVE J PADGELEK3 | 4000 OLD STATION ROAD APT 4101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $274 | — | $274 | 1.02% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | AFLAC | $176 | — | $176 | 0.65% |
| MARIO HAIFA3 | 216 WARWICK DRIVE PITTSBURGH, PA 15241 | AFLAC | $176 | — | $176 | 0.65% |
| MARIANNE E SULLIVAN3 | 305 WATERFORD COURT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $171 | — | $171 | 0.63% |
| PAMELA J WALKER3 | 7457 PRAIRIE RD NE ALBUQUERQUE, NM 87109 | AFLAC | $152 | — | $152 | 0.56% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $139 | — | $139 | 0.52% |
| RIFFE CONSULTING GROUP LLC3 Filed as: RIFFE CONSULTING GROUP, LLC | 219 TIMBER RDG CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $136 | — | $136 | 0.50% |
| KRISTIN J QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $136 | — | $136 | 0.50% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $113 | — | $113 | 0.42% |
| MICHELLE MARIE ENGLISH3 | 3019 WHITE PINE DRIVE GIBSONIA, PA 15044 | AFLAC | $62 | $42 | $104 | 0.39% |
| RONALD W ANDERSON3 | 612 WYANDOTTE STREET IRWIN, PA 15642 | AFLAC | $92 | — | $92 | 0.34% |
| SJP & ASSOCIATES3 Filed as: SJP & ASSOCIATES INC | 5500 BROOKTREE ROAD SUITE 102 WEXFORD, PA 15090 | AFLAC | $66 | $17 | $83 | 0.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | 26 CENTURY BOULEVARD 4TH FLOOR SOUTH NASHVILLE, TN 37214 | AFLAC | $81 | — | $81 | 0.30% |
| MICHAEL J KELLY3 | 314 OAKMONT DRIVE PITTSBURGH, PA 15229 | AFLAC | $61 | $15 | $76 | 0.28% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $65 | — | $65 | 0.24% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $56 | — | $56 | 0.21% |
| DOMINICK J LACARIA3 | 216 ROSCOMMON PLACE MCMURRAY, PA 15317 | AFLAC | $42 | — | $42 | 0.16% |
| VICKI J VELTRI3 | 1175 BALKAN DRIVE PITTSBURGH, PA 15239 | AFLAC | $38 | — | $38 | 0.14% |
| CHANIN LEE CARR3 | 555 WOODGROVE STREET ORMOND BEACH, FL 32174 | AFLAC | $38 | — | $38 | 0.14% |
| LISA G ANDERSON3 | 310 ASTILBE DRIVE KENNETT SQUARE, PA 19348 | AFLAC | $33 | — | $33 | 0.12% |
| JESSICA L HAIFA3 | 216 WARWICK DRIVE PITTSBURGH, PA 15241 | AFLAC | $32 | — | $32 | 0.12% |
| KENNETH J HOFFMAN3 | N65 W13544 COBBLESTONE COURT MENOMONEE FALLS, WI 53051 | AFLAC | $31 | — | $31 | 0.11% |
| JAMES J BANASZAK3 | 463 INWOOD ROAD PITTSBURGH, PA 15237 | AFLAC | $30 | — | $30 | 0.11% |
| OWENMYRTLE INC3 Filed as: OWENMYRTLE, INC. | 1611 SAINT ANDREWS DRIVE SUITE 22 LAWRENCE, KS 66047 | AFLAC | $26 | — | $26 | 0.10% |
| STEVE J PADGELEK3 | 428 LIBERTY ST HARMONY, PA 16037 | AFLAC | $21 | — | $21 | 0.08% |
| ASHTON CONSULTING INC3 Filed as: ASHTON CONSULTING, INC. | 3606 RIDGEVIEW DRIVE SUITE 200 COLUMBIA, MO 65203 | AFLAC | $19 | — | $19 | 0.07% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $19 | — | $19 | 0.07% |
| STEVE J PADGELEK3 Filed as: STEVE J. PADGELEK | 4000 OLD STATION ROAD APT E4101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $2 | $14 | $16 | 0.06% |
| RASONIA G HERRING3 | 138 PARKHURST STREET PITTSBURGH, PA 15212 | AFLAC | $15 | — | $15 | 0.06% |
| THE TORRES GROUP LLC3 Filed as: THE TORRES GROUP, LLC | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $14 | — | $14 | 0.05% |
| HALEY E SCHMITT3 | 329 STANFORD AVENUE PITTSBURGH, PA 15229 | AFLAC | $9 | $3 | $12 | 0.04% |
| FREDERICK L ROSE3 | 3631 PUTTER POINT LANE FORT MYERS, FL 33919 | AFLAC | $12 | — | $12 | 0.04% |
| JOHN P FRICK3 | 724 HIGH STREET EXT DUNBAR, PA 15431 | AFLAC | $11 | — | $11 | 0.04% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN ROAD PITTSBURGH, PA 15237 | AFLAC | $8 | — | $8 | 0.03% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE ROUTE 30 N HUNTINGDON, PA 15642 | AFLAC | $7 | — | $7 | 0.03% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $5 | — | $5 | 0.02% |
| SHARON R GRANT3 | 4975 KINGSTON WAY NAPLES, FL 34119 | AFLAC | $4 | — | $4 | 0.01% |
| HALEY E SCHMITT3 | 101 DEIMLING PITTSBURGH, PA 15229 | AFLAC | $3 | — | $3 | 0.01% |
| SJP & ASSOCIATES3 Filed as: SJP & ASSOCIATES, INC. | 4000 OLD STATION ROAD APT E4101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $2 | — | $2 | 0.01% |
| EUGENE MAMMOME3 | 15 HERITAGE LANE EXTON, PA 19341 | 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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 797 | $4.5M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 336 | $304K |
| Vision | VISION BENEFITS OF AMERICA | 320 | $44K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 364 | $732K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 364 | $732K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 364 | $758K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 797 | — |
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.