| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAGEWELL PARTNERS INC3 Filed as: SAGEWELL PARTNERS | 1501 REEDSDALE STREET, SUITE 403 PITTSBURGH, PA 15233 | UPMC HEALTH OPTIONS | $86K | — | $86K | 4.35% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $14K | $2K | $16K | 3.77% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET FLOOR 6 SAN DIEGO, CA 921018156 | DELTA DENTAL OF PENNSYLVANIA | $24K | — | $24K | 9.24% |
| JMP BENEFITS GROUP INC3 Filed as: JMP BENEFITS GROUP INC. | 504 S. MAIN ST, STE 101 ZELIENOPLE, PA 16063 | AFLAC | $5K | $279 | $5K | 3.80% |
| MELISSA LINZ3 | 7022 FRANKLIN RD SEVEN FIELDS, PA 16048 | AFLAC | $3K | $154 | $3K | 2.20% |
| JMP BENEFITS GROUP INC3 Filed as: JMP BENEFITS GROUP INC. | 525 N. MAIN STREET BUTLER, PA 16001 | AFLAC | $3K | $13 | $3K | 2.14% |
| JENNIFER LYNN STARCHER3 | 221 HORSESHOE ROAD MORGANTOWN, WV 26508 | AFLAC | $2K | — | $2K | 1.15% |
| MATTHEW S MCCLAY3 Filed as: MATTHEW S. MCCLAY | 1086 MANSFIELD AVENUE INDIANA, PA 15701 | AFLAC | $1K | $91 | $1K | 1.07% |
| RONALD PUSZ3 Filed as: RONALD W. PUSZ | 18282 TECHNOLOGY DRIVE, SUITE 205 MEADVILLE, PA 16335 | AFLAC | $1K | $65 | $1K | 0.91% |
| JEREMY PLAISTED3 | 525 N. MAIN STREET BUTLER, PA 16001 | AFLAC | $989 | $25 | $1K | 0.76% |
| BILLY M CRAIN3 Filed as: BILLY CRAIN | 1026 RHODES LANE BROOKVILLE, PA 15825 | AFLAC | $673 | — | $673 | 0.51% |
| THE BERT COMPANY3 | P.O. BOX 670 BUTLER, PA 16003 | AFLAC | $598 | — | $598 | 0.45% |
| MICHAEL J KELLY3 Filed as: MICHAEL J. KELLY | 314 OAKMONT DRIVE PITTSBURGH, PA 15229 | AFLAC | $553 | — | $553 | 0.42% |
| JOHN C FOSTER3 Filed as: JOHN C. FOSTER | 125 MARKET STREET BEAVER, PA 15009 | AFLAC | $442 | — | $442 | 0.33% |
| KORMOS INS. AND FIN. SERVICES INC.3 | 8843 DAN DRIVE NORTH ROYALTON, OH 44133 | AFLAC | $285 | — | $285 | 0.21% |
| TLANDA MCDONALD3 | 1855 TIVERTON ROAD BLOOMFIELD, MI 48304 | AFLAC | $165 | — | $165 | 0.12% |
| CHARLES HOUGH3 Filed as: CHARLES C. HOUGH | 162 SLATE HILL ROAD TELFORD, TN 37690 | AFLAC | $153 | — | $153 | 0.11% |
| DEBORAH LITTLEFORD3 Filed as: DEBORAH L. LITTLEFORD | 25471 KINSALE PLACE ALDIE, VA 20105 | AFLAC | $151 | — | $151 | 0.11% |
| PAUL W WOOD3 | 14796 LAKE MEADOWS DRIVE PERRYSBURG, OH 43551 | AFLAC | $135 | — | $135 | 0.10% |
| STEVE J PADGELEK3 | 5500 BROOKTREE ROAD SUITE 102 WEXFORD, PA 15090 | AFLAC | $129 | — | $129 | 0.10% |
| KEVIN WRONA3 | 9740 CEDARWOOD DRIVE NORTH ROYALTON, OH 44133 | AFLAC | $128 | — | $128 | 0.10% |
| MARIO HAIFA3 | 216 WARWICK DRIVE PITTSBURGH, PA 15241 | AFLAC | $119 | — | $119 | 0.09% |
| JOSEPH M HARRELL3 | 6615 LAKE SHORE DRIVE S., APT 1017 MINNEAPOLIS, MN 55423 | AFLAC | $107 | — | $107 | 0.08% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $105 | — | $105 | 0.08% |
| DAVID A COSENTINO3 | 61 SCUPPER LANE, SUITE 125 NORTHFIELD, OH 44067 | AFLAC | $91 | — | $91 | 0.07% |
| CHARLES BONO3 Filed as: CHARLES E. BONO | P.O. BOX 5506 WILLIAMSBURG, VA 23188 | AFLAC | $88 | — | $88 | 0.07% |
| STEVE J PADGELEK3 | 428 LIBERTY STREET HARMONY, PA 16037 | AFLAC | $85 | — | $85 | 0.06% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN J. QUINLAN | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $82 | — | $82 | 0.06% |
| JAMIE PITTNER3 | 2749 BURNING TREE LANE CLEARWATER, FL 33761 | AFLAC | $82 | — | $82 | 0.06% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY R. QUINLAN | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $81 | — | $81 | 0.06% |
| STEVEN M MAZUR3 Filed as: STEVEN M. MAZUR | 6415 MONMOUTH ROAD CLEVELAND, OH 44129 | AFLAC | $72 | — | $72 | 0.05% |
| YARBOROUGH AND YARBOROUGH INC3 Filed as: YARBOROUGH AND YARBOROUGH, INC. | 4035 HEUTTE DRIVE NORFOLK, VA 23518 | AFLAC | $70 | — | $70 | 0.05% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $62 | — | $62 | 0.05% |
| GAYLORD I KAUFFMAN3 | 315 GREEN RIDGE ROAD SUITE H 1 NEW CASTLE, PA 16105 | AFLAC | $58 | — | $58 | 0.04% |
| MELISSA MARIE PORADA3 | 204 RANDALL DRIVE NEW CASTLE, PA 16105 | AFLAC | $36 | $13 | $49 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $46 | — | $46 | 0.03% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $41 | — | $41 | 0.03% |
| DENNIS STALLBAUM3 | 1985 OAKHAVEN ROAD TOLEDO, OH 43615 | AFLAC | $38 | — | $38 | 0.03% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY, INC. | 9404 WOODCHIP LANE BROADVIEW HTS, OH 44147 | AFLAC | $38 | — | $38 | 0.03% |
| GREG A GOULD3 Filed as: GREG A. GOULD | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $38 | — | $38 | 0.03% |
| LAURIE AULT3 | 147 NESHANNOCK TRAILS DRIVE NEW CASTLE, PA 16105 | AFLAC | $31 | — | $31 | 0.02% |
| SCOTT JONES3 Filed as: SCOTT A. JONES | 20402 TURNPIKE TERRACE RAPIDAN, VA 22733 | AFLAC | $31 | — | $31 | 0.02% |
| ANDREA L SHERMAN3 | 2428 ALMEDA AVENUE, SUITE 300 NORFOLK, VA 23513 | AFLAC | $30 | — | $30 | 0.02% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON ROAD NEW CASTLE, PA 16105 | AFLAC | $28 | — | $28 | 0.02% |
| ELIZABETH ANNE BUCHANAN3 | 3401 HUNTON RIDGE DRIVE GLEN ALLEN, VA 23059 | AFLAC | $27 | — | $27 | 0.02% |
| SANDRA P CRAFF3 Filed as: SANDRA P. CRAFF | 1702 SAND DOLLAR CIRCLE KITTY HAWK, NC 27949 | AFLAC | $26 | — | $26 | 0.02% |
| KEVIN W LAWSON3 | 2823 PROVINCETOWNE DRIVE TOLEDO, OH 43613 | AFLAC | $26 | — | $26 | 0.02% |
| BRIAN TODD KAUFFMAN3 | 3009 WILMINGTON ROAD NEW CASTLE, PA 16105 | AFLAC | $20 | — | $20 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1007 NORTH ORANGE STREET SUITE 1115 VIRGINIA BEACH, VA 23452 | AFLAC | $20 | — | $20 | 0.02% |
| ALFRED F. HARTMAN3 | 6505 ROCKSIDE ROAD SUITE 125 INDEPENDENCE, OH 44131 | AFLAC | $17 | — | $17 | 0.01% |
| KENNETH W SHOLAR3 Filed as: KENNETH W. SHOLAR | 4608 WESTGROVE CT HAYWOOD EXEC PARK VIRGINIA BEACH, PA 23455 | AFLAC | $17 | — | $17 | 0.01% |
| SHAUN M KLUG3 Filed as: SHAUN M. KLUG | 46389 SPINNING WHEEL DRIVE CANTON, MI 48187 | AFLAC | $16 | — | $16 | 0.01% |
| NICHOLAS WAGNER3 | 1508 BACK COVE ROAD VIRGINIA BEACH, VA 23454 | AFLAC | $16 | — | $16 | 0.01% |
| DEBORAH H HALL3 | 105 DEVLIN LANE MADISON, MS 39110 | AFLAC | $14 | — | $14 | 0.01% |
| ROBERTA DICKINSON3 Filed as: ROBERTA S. DICKINSON | 16141 HOWE ROAD STRONGSVILLE, OH 44136 | AFLAC | $14 | — | $14 | 0.01% |
| JOSEPH G GRABLICK3 | 716 SUSQUEHANNA AVENUE WYOMING, PA 18644 | AFLAC | $14 | — | $14 | 0.01% |
| LYNN MICHELE KENNEDY3 | 1170 MARTIN ROAD KITTANNING, PA 16201 | AFLAC | $13 | — | $13 | 0.01% |
| OPPORTUNITY INC3 Filed as: OPPORTUNITY, INC. | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $12 | — | $12 | 0.01% |
| AG AND ASSOCIATES3 | P.O. BOX 339 BELLAIRE, MI 49615 | AFLAC | $12 | — | $12 | 0.01% |
| MELISSA DAWN MCCLAIN3 | 104 WITHEROW ROAD SEWICKLEY, PA 15143 | AFLAC | $12 | — | $12 | 0.01% |
| DONALD B ORRELL3 Filed as: DONALD B. ORRELL | 1581 CHERRY GROVE ROAD NORTH SUFFOLK, VA 23432 | AFLAC | $12 | — | $12 | 0.01% |
| JOHN E HRIVNAK3 Filed as: JOHN E. HRIVNAK | 3900 INDUSTRIAL PARK DRIVE SUITE 11 ALTOONA, PA 16602 | AFLAC | $10 | — | $10 | 0.01% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $10 | — | $10 | 0.01% |
| LISA ROSTRON3 Filed as: LISA M. ROSTRON | 1088 MICHAELA CIRCLE CLARKSVILLE, TN 37043 | AFLAC | $10 | — | $10 | 0.01% |
| ADAM N STEINEL3 Filed as: ADAM N. STEINEL | 7546 US ROUTE 30 3RD FLOOR IRWIN, PA 15642 | AFLAC | $10 | — | $10 | 0.01% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $9 | — | $9 | 0.01% |
| JAMES G BRANDT3 Filed as: JAMES G. BRANDT | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $9 | — | $9 | 0.01% |
| SHAWN STEPHENS3 | 1323 GRAHAM TRACE LANE LEAGUE CITY, TX 77573 | AFLAC | $6 | — | $6 | 0.00% |
| JOHN SIDORCHUK3 | 1422 THORPE STREET NEW CASTLE, PA 23432 | AFLAC | $6 | — | $6 | 0.00% |
| THE TORRES GROUP LLC3 Filed as: THE TORRES GROUP, LLC | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $6 | — | $6 | 0.00% |
| DEBORAH LYNN FRANCO3 Filed as: DEBORAH FRANCO | 2 JUNIOR AVENUE WHEELING, WV 26003 | AFLAC | $5 | — | $5 | 0.00% |
| RICO PEREZ3 Filed as: RICO W. PEREZ | 6000 LOMBARDO CENTER, SUITE 145 SEVEN HILLS, OH 44131 | AFLAC | $4 | — | $4 | 0.00% |
| STEPHEN D BISSELL3 | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $4 | — | $4 | 0.00% |
| DAVID R SICKLES3 Filed as: DAVID R. SICKLES | P.O. BOX 466 PERRYSBURG, OH 43552 | AFLAC | $4 | — | $4 | 0.00% |
| DUANE A ADAMS3 Filed as: DUANE A. ADAMS | 11520 NUCKOLS ROAD, SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $3 | — | $3 | 0.00% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $3 | — | $3 | 0.00% |
| HEATHER A DOLLIVER3 Filed as: HEATHER A. DOLLIVER | 2150 ASSOCIATION DRIVE OKEMOS, MI 48864 | AFLAC | $3 | — | $3 | 0.00% |
| DENNIS L HULSE3 Filed as: DENNIS L. HULSE | 240 PARALLEL STREET PLEASANTVILLE, PA 16341 | AFLAC | $3 | — | $3 | 0.00% |
| C A LUPP INC3 Filed as: C.A. LUPP INC | 940 EAST PARK DRIVE SUITE 300 HARRISBURG, PA 17111 | AFLAC | $3 | — | $3 | 0.00% |
| LINDSEY JO MARTIN3 | 1450 NORTH ULMER STREET GREENWOOD, AR 72936 | AFLAC | $3 | — | $3 | 0.00% |
| RICHARD J KRESINSKE3 Filed as: RICHARD J. KRESINSKE | 4004 ATLANTIC AVENUE, APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY C WERNER3 Filed as: JEFFREY C. WERNER | 6370 PINE HOLLOW DRIVE EAST LANSING, MI 48198 | AFLAC | $2 | — | $2 | 0.00% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER D. BOULDREY | P.O. BOX 602 CONCORD, MI 23451 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES C SNIDER JR3 Filed as: JAMES C. SNIDER, JR. | 457 MANOR ROAD MAITLAND, FL 32751 | AFLAC | $2 | — | $2 | 0.00% |
| MARILYN WYMAN3 | 1219 BELLFIELD COURT GREENSBURG, PA 15601 | AFLAC | $2 | — | $2 | 0.00% |
| LARRY E KESSELRING3 | 5897 FORESTAL DRIVE WATERFORD, MI 48327 | AFLAC | $2 | — | $2 | 0.00% |
| DANIELLE C DUNN3 Filed as: DANIELLE C. DUNN | 185 S. COLUMBIA AVENUE COLUMBUS, OH 43209 | AFLAC | $2 | — | $2 | 0.00% |
| RANDY M SOMERMAN3 Filed as: RANDY M. SOMERMAN | 2819 WILLIAMSBURG CIRCLE STOW, OH 44224 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES DAVID PORTERFIELD3 | P.O. BOX 3041 ELKINS, WV 26241 | AFLAC | $1 | — | $1 | 0.00% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $1 | — | $1 | 0.00% |
| JACK ALBERT MARTIN3 | 93 WOODSIDE ROAD DANVILLE, PA 17821 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN P FRICK3 Filed as: JOHN P. FRICK | 724 HIGH STREET EXT DUNBAR, PA 15431 | AFLAC | $1 | — | $1 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | HEARTLAND | $4K | — | $4K | 10.00% |
| JEREMY PLAISTED3 | 525 N. MAIN STREET BUTLER, PA 16001 | AFLAC | $2K | $336 | $2K | 7.43% |
| RONALD PUSZ3 Filed as: RONALD W. PUSZ | 18282 TECHNOLOGY DRIVE, SUITE 205 MEADVILLE, PA 16335 | AFLAC | $1K | $250 | $2K | 6.27% |
| MELISSA LINZ3 | 7022 FRANKLIN RD SEVEN FIELDS, PA 16046 | AFLAC | $496 | $246 | $742 | 2.99% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVENUE INDIANA, PA 15701 | AFLAC | $492 | $170 | $662 | 2.66% |
| RONALD W ANDERSON3 Filed as: RONALD W. ANDERSON | 612 WYANDOTTE STREET IRWIN, PA 15642 | AFLAC | $393 | $187 | $580 | 2.33% |
| DAVID F VAN SLYKE3 Filed as: DAVID F. VAN SLYKE | 215 BUMP DRIVE SYRACUSE, NY 13209 | AFLAC | $33 | — | $33 | 0.13% |
| GIBIDES INC3 | 7200 CANAAN LANE, APT 110 RALEIGH, NC 27615 | AFLAC | $22 | — | $22 | 0.09% |
| ELIZABETH A SPINNER3 Filed as: ELIZABETH A. SPINNER | 7903 NORTH GRAYCOAT COURT SPOKANE, WA 99208 | AFLAC | $8 | — | $8 | 0.03% |
| JOSEPH P CALARCO3 Filed as: JOSEPH P. CALARCO | P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $6 | — | $6 | 0.02% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES AND ASSOCIATES, INC. | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $5 | — | $5 | 0.02% |
| JOSEPH L EAMES3 Filed as: JOSEPH L. EAMES | 3520 NEW HARTFORD ROAD, SUITE 200 OWENSBORO, KY 42303 | AFLAC | $5 | — | $5 | 0.02% |
| EDWARD HELINSKI3 | 7369 OWASCO ROAD AUBURN, NY 13021 | AFLAC | $3 | — | $3 | 0.01% |
| DANIEL C HARRIS3 Filed as: DANIEL C. HARRIS | 4110 WILLOW CREEK DRIVE GIBSONIA, PA 15044 | AFLAC | $3 | — | $3 | 0.01% |
| DUCK & COVER NY INC3 | 17 DALAMAR COURT LATHAM, NY 12110 | AFLAC | $2 | — | $2 | 0.01% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $2 | — | $2 | 0.01% |
| RUSSELL T BARRETT3 Filed as: RUSSELL T. BARRETT | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.00% |
| KELLY A IRVINE3 Filed as: KELLY A. IRVINE | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $1 | — | $1 | 0.00% |
| ERIN HOLZSCHUH3 Filed as: ERIN L. HOLZSCHUH | 550 LATONA ROAD, SUITE 410, BLDG D ROCHESTER, NY 14626 | AFLAC | $147 | — | $147 | 5.84% |
| JOHN B INFERRERA3 Filed as: JOHN B. INFERRERA | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $60 | — | $60 | 2.38% |
| DEBRA PARKER3 Filed as: DEBRA M. PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $29 | — | $29 | 1.15% |
| EDWARD B LEAHY III3 Filed as: EDWARD B. LEAHY III | 85 ALLEN STREET, SUITE 210 ROCHESTER, NY 14608 | AFLAC | $23 | — | $23 | 0.91% |
| PAULA LYNN BIRCHFIELD3 | 276 FAIRPORT VILLAGE LANDING FAIRPORT, NY 14450 | AFLAC | $18 | — | $18 | 0.72% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES AND ASSOCIATES, INC. | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $9 | — | $9 | 0.36% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS K. GATHRIGHT JR. | 276 FAIRPORT VILLAGE LANDING FAIRPORT, NY 14450 | AFLAC | $4 | — | $4 | 0.16% |
| DUCK & COVER NY INC3 | 17 DALAMAR COURT LATHAM, NY 12110 | AFLAC | $4 | — | $4 | 0.16% |
| RUSSELL T BARRETT3 Filed as: RUSSELL T. BARRETT | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $4 | — | $4 | 0.16% |
| TED COLUCCI3 | 299 WISCONSIN STREET ROCHESTER, NY 14609 | AFLAC | $2 | — | $2 | 0.08% |
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 | 566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 315 | $2.6M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 701 | $264K |
| Vision | HEARTLAND | 633 | $40K |
| Prescription drug | UPMC HEALTH OPTIONS | 315 | $2.0M |
| Other | UPMC HEALTH OPTIONS | 315 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 701 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.