| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 600 WATERFRONT DR STE 225 PITTSBURGH, PA 152224751 | UPMC HEALTH BENEFITS | $6K | — | $6K | 1.90% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INSURANCE AGENCY | 920 FT DUQUESNE BLVD PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $2K | — | $2K | 0.64% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 600 WATERFRONT DR STE 225 PITTSBURGH, PA 152224751 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 6.23% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 152223602 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $843 | $3K | 4.44% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 152196401 | METROPOLITAN LIFE INSURANCE COMPANY | $757 | — | $757 | 1.17% |
| RITA BERGSTEIN BENEFITS LLC3 Filed as: RITA BERGESTEIN | PO BOX 232 IRWIN, PA 15642 | AFLAC | $2K | $71 | $2K | 5.42% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE ROUTE 30 N HUNTINGTON, PA 15642 | AFLAC | $2K | — | $2K | 3.93% |
| MICHAEL FLEMING3 | 11186 BROKERS LN IRWIN, PA 15642 | AFLAC | $327 | $14 | $341 | 0.82% |
| RIFFE CONSULTING GROUP LLC3 | 219 TIMBER RDG CRANBERRY TWP, PA 16066 | AFLAC | $256 | — | $256 | 0.62% |
| JAMONT L KINDS3 Filed as: JAMONT KINDS | 413 30TH ST MCKEESPORT, PA 15132 | AFLAC | $249 | — | $249 | 0.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 26 CENTURY BLVD, 4TH FLOOR SOUTH NASHIVILLE, TN 37214 | AFLAC | $179 | — | $179 | 0.43% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DR, STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $108 | — | $108 | 0.26% |
| NANCY KARNS3 | 104 CLOVERDALE DR EVANS CITY, PA 16033 | AFLAC | $85 | — | $85 | 0.20% |
| AMY SLOKAN3 | 541 W GAINSBORUGH RD APT 101 THOUSAND OAKS, CA 91360 | AFLAC | $71 | $14 | $85 | 0.20% |
| LEE ANN M. KLINE3 Filed as: LEE ANN KLINE | 18 PINTAIL DR PITTSBURGH, PA 15238 | AFLAC | $84 | — | $84 | 0.20% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DRAY | 123 THOMAS RD MCMURRAY, PA 15317 | AFLAC | $78 | — | $78 | 0.19% |
| JANICE L ROSKEY3 Filed as: JANICE ROSKEY | PO BOX 212 BOVARD, PA 15619 | AFLAC | $73 | — | $73 | 0.18% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY QUINLAN | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $71 | — | $71 | 0.17% |
| KIMMON R GUSEMAN3 Filed as: KIMMON GUSEMAN | 48 NICKMAN PLZ LEMONT FURNACE, PA 15456 | AFLAC | $71 | — | $71 | 0.17% |
| JULIE SHUTTLEWORTH3 | 4060 BLUE JAY DR SHARPSVILLE, PA 16150 | AFLAC | $60 | — | $60 | 0.14% |
| VICKI J VELTRI3 Filed as: VICKI VELTRI | 1175 BALKAN DR PITTSBURGH, PA 15239 | AFLAC | $58 | — | $58 | 0.14% |
| RICHARD BERDY3 | 124 N SOUTH DR PITTSBURGH, PA 15237 | AFLAC | $51 | — | $51 | 0.12% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN QUINLAN | 137 SEMICONON LN RENFREW, PA 06053 | AFLAC | $45 | — | $45 | 0.11% |
| MARIO HAIFA3 | 216 WARWICK DR PITTSBURGH, PA 15241 | AFLAC | $40 | — | $40 | 0.10% |
| JAMES DANIEL CRAWLEY3 Filed as: JAMES CRAWLEY | 2316 MCNARY BLVD PITTSBURGH, PA 15235 | AFLAC | $37 | — | $37 | 0.09% |
| MELISSA DAWN MCCLAIN3 Filed as: MELISSA MCCLAIN | 104 WITHEROW RD SEWICKLEY, PA 15143 | AFLAC | $35 | — | $35 | 0.08% |
| PAMELA J WALKER3 Filed as: PAMELA WALKER | 7457 PRAIRIE RD NE ALBUQUERQUE, NM 87109 | AFLAC | $32 | — | $32 | 0.08% |
| MARILYNN WYMAN3 | 4276 STONE CREEK DR ERIE, PA 16506 | AFLAC | $30 | — | $30 | 0.07% |
| ROBERT DELBENE3 | PO BOX 223 JEANNETTE, PA 15644 | AFLAC | $30 | — | $30 | 0.07% |
| YENISE ZIMMERMAN3 | 1434 ELM ST GREENSBURG, PA 15601 | AFLAC | $22 | — | $22 | 0.05% |
| JOY GRUBE PADGELEK3 Filed as: JOY PADGELEK | 1195 WASHINGTON PIKE, STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $22 | — | $22 | 0.05% |
| TONI MAIONE3 | 1340 LINDENCROSS AVE IRWIN, PA 15642 | AFLAC | $21 | — | $21 | 0.05% |
| KAREN L DENNIS3 Filed as: KAREN DENNIS | 101 PATRIOT LN SEWICKLEY, PA 15142 | AFLAC | $21 | — | $21 | 0.05% |
| DONNA I TROXELL3 Filed as: DONNA TROXWELL | 269 MARSH HOLLOW RD PITTSBURGH, PA 17729 | AFLAC | $20 | — | $20 | 0.05% |
| TYE ELLIOT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $17 | — | $17 | 0.04% |
| JAMES V CLEMENS3 Filed as: JAMES CLEMENS | 7 ROWAN AVE GREENSBURG, PA 15601 | AFLAC | $16 | — | $16 | 0.04% |
| MICHELLE MAHONEY3 | 211 S 7TH ST YOUNGWOOD, PA 15697 | AFLAC | $14 | — | $14 | 0.03% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DR, STE 200 COLUMBIA, MO 65203 | AFLAC | $13 | — | $13 | 0.03% |
| DANIEL R JUDY3 Filed as: DANIEL JUDY | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $9 | — | $9 | 0.02% |
| BILLY M CRAIN3 Filed as: BILLY CRAIN | 1026 RHODES LN BROOKVILLE, PA 15825 | AFLAC | $8 | — | $8 | 0.02% |
| THE TORRES GROUP LLC3 | 1750 FARMONGTON CIRCLE WELLINTON, TN 37919 | AFLAC | $6 | — | $6 | 0.01% |
| SHARON R GRANT3 Filed as: SHARON GRANT | 4975 KINGSTON WAY NAPLES, FL 34119 | AFLAC | $6 | — | $6 | 0.01% |
| JAMES BRANDT3 | 47 MARVIN ST PORT MATILDA, PA 16870 | AFLAC | $6 | — | $6 | 0.01% |
| ADAM N STEINEL3 Filed as: ADAM STEINEL | 7546 US ROUTE 30 3RD FLOOR IRWIN, PA 15642 | AFLAC | $5 | — | $5 | 0.01% |
| JOHN FRICK3 | 724 HIGH STREET EXT DUNBAR, PA 15431 | AFLAC | $3 | — | $3 | 0.01% |
| EUGENE MAMMOME3 | 15 HERITAGE LN EXTON, PA 19341 | AFLAC | $2 | — | $2 | 0.00% |
| JOY BURKHOLDER3 | 285 HIGH ST MT PLEASANT, PA 15666 | AFLAC | $1 | — | $1 | 0.00% |
| FREDERICK L ROSE3 Filed as: FREDERICK ROSE | 3631 PUTTER POINT LN FORT MEYERS, FL 33919 | AFLAC | $1 | — | $1 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 4550 LENA DRIVE MECHANICSBURG, PA 17050 | HIGHMARK INC. | $2K | — | $2K | 18.27% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FT DUQUESNE BLVD PITTSBURGH, PA 15222 | HIGHMARK INC. | $2K | — | $2K | 15.28% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 600 WATERFRONT DRIVE, SUITE 225 PITTSBURGH, PA 15222 | HIGHMARK INC. | $1K | — | $1K | 12.53% |
| RITA BERGSTEIN BENEFITS LLC3 Filed as: RITA BERGSTEIN | PO BOX 232 IRWIN, PA 15642 | AFLAC | $659 | $39 | $698 | 7.78% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DRAY | 123 THOMAS RD MCMURRAY, PA 15317 | AFLAC | $246 | — | $246 | 2.74% |
| RITA BERGSTEIN BENEFITS LLC3 Filed as: RITA BERGESTEIN BENEFITS LLC | 12260 STATE ROUTE 30 N HUNTINGTON, PA 15642 | AFLAC | $179 | — | $179 | 1.99% |
| MICHAEL FLEMING3 | 11186 BROKERS LN IRWIN, PA 15642 | AFLAC | $106 | $8 | $114 | 1.27% |
| EVELYN MORGAN3 | 239 TOMER LN GREENSBURG, PA 15601 | AFLAC | $111 | — | $111 | 1.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 26 CENTURY BLVD, 4TH FLOOR SOUTH NASHVILLE, TN 37214 | AFLAC | $69 | — | $69 | 0.77% |
| JAMONT L KINDS3 Filed as: JAMONT KIDS | 413 30TH ST MCKEESPORT, PA 15132 | AFLAC | $61 | — | $61 | 0.68% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY QUINLAN | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $53 | — | $53 | 0.59% |
| AMY SLOKAN3 | 541 W GAINSBOROUGH RD APT 101 THOUSAND OAKS, CA 91360 | AFLAC | $40 | $8 | $48 | 0.53% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DR, STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $41 | — | $41 | 0.46% |
| KAREN L DENNIS3 Filed as: KAREN DENNIS | 101 PATRIOT LN SEWICKLEY, PA 15143 | AFLAC | $36 | — | $36 | 0.40% |
| MELISSA DAWN MCCLAIN3 Filed as: MELISSA MCCLAIN | 104 WITHEROW RD SEWICKLEY, PA 15143 | AFLAC | $35 | — | $35 | 0.39% |
| JEFFREY CORREAL3 | 125 TECHNOLOGY DR, STE 201 CANNONSBURG, PA 15317 | AFLAC | $33 | — | $33 | 0.37% |
| RIFFLE CONSULTING GROUP LLC3 | 219 TIMBER RDG CRANBERRY TWP, PA 16066 | AFLAC | $26 | — | $26 | 0.29% |
| LEE ANN M. KLINE3 Filed as: LEE ANN KLINE | 18 PINTAIL DR PITTSBURGH, PA 15238 | AFLAC | $26 | — | $26 | 0.29% |
| MICHAEL A. BITTEL3 Filed as: MICHAEL BITTEL | 129 MARION DR CANNONSBURG, PA 15317 | AFLAC | $21 | — | $21 | 0.23% |
| KIMMON R GUSEMAN3 Filed as: KIMMON GUSEMAN | 48 NICKMAN PLZ LEMONT FURNACE, PA 15456 | AFLAC | $20 | — | $20 | 0.22% |
| DANIEL R JUDY3 Filed as: DANIEL JUDY | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $19 | — | $19 | 0.21% |
| DONNA I TROXELL3 Filed as: DONNA TROXWELL | 269 MARSH HOLLOW RD PITTSBURGH, PA 17729 | AFLAC | $18 | — | $18 | 0.20% |
| VICKI J VELTRI3 Filed as: VICKI VELTRI | 1175 BALKAN DR PITTSBURGH, PA 15239 | AFLAC | $17 | — | $17 | 0.19% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN QUINLAN | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $14 | — | $14 | 0.16% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DR, STE 200 COLUMBIA, MO 65203 | AFLAC | $12 | — | $12 | 0.13% |
| MARIO HAIFA3 | 216 WARWICK DR PITTSBURGH, PA 15241 | AFLAC | $9 | — | $9 | 0.10% |
| JANICE L ROSKEY3 Filed as: JANICE ROSKEY | PO BOX 212 BOVARD, PA 15619 | AFLAC | $8 | — | $8 | 0.09% |
| MICHELLE MAHONEY3 | 211 S 7TH ST YOUNGWOOD, PA 15697 | AFLAC | $7 | — | $7 | 0.08% |
| SHARON R GRANT3 Filed as: SHARON GRANT | 4975 KINGSTON WAY NAPLES, FL 34119 | AFLAC | $4 | — | $4 | 0.04% |
| JOY GRUBE PADGELEK3 Filed as: JOY PADGELEK | 1195 WASHINGTON PIKE, STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $3 | — | $3 | 0.03% |
| EUGENE MAMMOME3 | 15 HERITAGE LN EXTON, PA 19341 | 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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts, 2 carriers) | AFLAC | 263 | $61K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 182 | $65K |
| Short-term disability(2 contracts) | AFLAC | 50 | $50K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 182 | $65K |
| Stop-loss / reinsurancereinsurance | UPMC HEALTH BENEFITS | 466 | $326K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 182 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.