| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPITAL INSURANCE ADVISORS LLC3 Filed as: CAPITAL INSURANCE ADVISORS | 1232 BELMONT DR SOUTH PARK, PA 15129 | UPMC HEALTH OPTIONS | $108K | $0 | $108K | 1.50% |
| FIRST NATIONAL INSURANCE AGENCY3 | 12 FEDERAL ST STE 405 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $35K | $0 | $35K | 0.49% |
| CAPITAL INSURANCE ADVISORS LLC3 Filed as: CAPITAL INSURANCE ADVISORS | 1232 BELMONT DR SOUTH PARK, PA 15129 | UNITED CONCORDIA COMPANIES, INC. | $10K | $0 | $10K | 3.78% |
| FIRST NATIONAL INSURANCE AGENCY3 | 117 SOUTH ALLEN ST 2ND FL STATE COLLEGE, PA 16801 | UNITED CONCORDIA COMPANIES, INC. | $3K | $0 | $3K | 1.22% |
| HALEY E SCHMITT3 Filed as: HALEY SCHMITT | 101 DEIMLING RD PITTSBURGH, PA 15229 | AFLAC | $10K | $121 | $10K | 9.80% |
| STEVE J PADGELEK3 Filed as: STEVE PADGELEK | 305 MERCER RD HARMONY, PA 16037 | AFLAC | $3K | $0 | $3K | 3.21% |
| AMANDA C LONG3 Filed as: AMANDA LONG | 150 N MEADOWS DR WEXFORD, PA 15090 | AFLAC | $1K | $28 | $1K | 1.12% |
| JAMES J BANASZAK3 Filed as: JAMES BANASZAK | 463 INWOOD RD PITTSBURGH, PA 15237 | AFLAC | $394 | $0 | $394 | 0.39% |
| TEMPLE K WOODLEY3 Filed as: TEMPLE WOODLEY | 2014 REIS RUN RD PITTSBURGH, PA 15237 | AFLAC | $369 | $0 | $369 | 0.37% |
| ETHAN ROBERT RIFFE3 Filed as: ETHAN RIFFE | 5500 BROOKTREE RD STE 102 WEXFORD, PA 15090 | AFLAC | $265 | $0 | $265 | 0.27% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVE INDIANA, PA 15701 | AFLAC | $237 | $0 | $237 | 0.24% |
| JMP BENEFITS GROUP INC3 Filed as: JMP BENEFITS GROUP INC. | 504 S MAIN ST STE 101 ZELIENOPLE, PA 16063 | AFLAC | $189 | $0 | $189 | 0.19% |
| JENNIFER LEIS3 | 93 MAIN ST NEW BRIGHTON, PA 15066 | AFLAC | $145 | $0 | $145 | 0.15% |
| JOCCELYN DEFELICE3 | 806 SUMMIT AVE MONACA, PA 15061 | AFLAC | $94 | $0 | $94 | 0.09% |
| MATTHEW S MCCLAY3 Filed as: MATTHEW SCHAAL | 103 OVERBROOK DR CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $89 | $0 | $89 | 0.09% |
| NATHAN SMEAL3 | 61 CUPPLES ST MADERA, PA 16661 | AFLAC | $88 | $0 | $88 | 0.09% |
| CINDY D CORREAL3 Filed as: CINDY CORREAL | 222 LONGSITE DR APT 40 UNIONTOWN, PA 15401 | AFLAC | $82 | $0 | $82 | 0.08% |
| JOY GRUBE PADGELEK3 Filed as: JOY PADGELEK | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $73 | $0 | $73 | 0.07% |
| RUTH E WOODS3 Filed as: RUTH WOODS | 147 HEMPHILL ST PITTSBURGH, PA 15214 | AFLAC | $50 | $0 | $50 | 0.05% |
| JAMES BRANDT3 | 47 MARVIN ST PORT MATILDA, PA 16870 | AFLAC | $47 | $0 | $47 | 0.05% |
| JEFFREY CORREAL3 | 442 DUCK HOLLOW RD UNIONTOWN, PA 15401 | AFLAC | $47 | $0 | $47 | 0.05% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $46 | $0 | $46 | 0.05% |
| ROBERT CAWTHORN JR3 | 150 WHITESTOWN RD LYNDORA, PA 16045 | AFLAC | $40 | $0 | $40 | 0.04% |
| STEPHEN KOZAK3 | 190 SHENOT RD WEXFORD, PA 15090 | AFLAC | $35 | $0 | $35 | 0.04% |
| MICHELLE MARIE ENGLISH3 Filed as: MICHELLE ENGLISH | 130 BROOKFIELD ESTATES DR WEXFORD, PA 15090 | AFLAC | $31 | $0 | $31 | 0.03% |
| JOHN B LACARIA3 Filed as: JOHN LACARIA | 102 JENNIFER LN BRIDGEPORT, WV 26330 | AFLAC | $30 | $0 | $30 | 0.03% |
| MARIANNE E SULLIVAN3 Filed as: MARIANNE SULLIVAN | 305 WATERFORD CT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $30 | $0 | $30 | 0.03% |
| PATIENCE M DANNA3 Filed as: PATIENCE DANNA | 320 FORT DUSQUESNE BLVD APT 24N PITTSBURGH, PA 15222 | AFLAC | $28 | $0 | $28 | 0.03% |
| ANDREA STEARNS3 | PO BOX 323 BETHEL PARK, PA 15102 | AFLAC | $27 | $0 | $27 | 0.03% |
| BRIAN CUMPTAN3 | 320 9TH ST STE 200 HUNTINGTON, WV 25701 | AFLAC | $25 | $0 | $25 | 0.03% |
| JENNIFER LYNN STARCHER3 Filed as: JENNIFER STARCHER | 221 HORSESHOE RD MORGANTOWN, WV 26508 | AFLAC | $17 | $0 | $17 | 0.02% |
| ROBERT D BURTON3 Filed as: ROBERT BURTON | 550 SOUTH AVE VERONA, PA 15147 | AFLAC | $16 | $0 | $16 | 0.02% |
| MELISSA LINZ3 | 7022 FRANKLIN RD SEVEN FIELDS, PA 16046 | AFLAC | $15 | $0 | $15 | 0.02% |
| ALICIA MARKIVICH3 | 3002 SCHOOL ST ALIQUIPPA, PA 15001 | AFLAC | $13 | $0 | $13 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DRAY | 123 THOMAS RD MCMURRAY, PA 15317 | AFLAC | $13 | $0 | $13 | 0.01% |
| SCOTT B GOLMIC3 Filed as: SCOTT GOLMIC | 866 CONSTITUTION AVE ELLWOOD CITY, PA 16117 | AFLAC | $10 | $0 | $10 | 0.01% |
| CHARLES HUGH MACKAY3 Filed as: CHARLES MACKAY | 2383 S MAIN ST STE B100 AKRON, OH 44319 | AFLAC | $9 | $0 | $9 | 0.01% |
| JEARL BARNETTE3 | 197 STATE LINE DR GRANTSVILLE, MD 21536 | AFLAC | $7 | $0 | $7 | 0.01% |
| JESSICA L HAIFA3 Filed as: JESSICA HAIFA | 216 WARWICK DR PITTSBURGH, PA 15241 | AFLAC | $7 | $0 | $7 | 0.01% |
| THOMAS J. MCCORD3 Filed as: THOMAS MCCORD | 36 MULBERRY LN BRIDGEPORT, WV 26330 | AFLAC | $6 | $0 | $6 | 0.01% |
| MICHAEL KELLY3 | 314 OAKMONT DR PITTSBURGH, PA 15229 | AFLAC | $3 | $0 | $3 | 0.00% |
| JUSTIN W DAVIS3 Filed as: JUSTIN DAVIS | 300 LIVE OAK CT SALEM, VA 24153 | AFLAC | $2 | $0 | $2 | 0.00% |
| THOMAS J STEPHENSON3 Filed as: THOMAS STEPHENSON | 31 STADELMAN CT CARTERSVILLE, GA 30120 | AFLAC | $2 | $0 | $2 | 0.00% |
| DANIEL E TORRES3 Filed as: DANIEL TORRES | 301 JAMESON CT SEVEN FIELDS, PA 16046 | AFLAC | $2 | $0 | $2 | 0.00% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN QUINLAN | PO BOX 387 CONNOQUENESSING, PA 16027 | AFLAC | $1 | $0 | $1 | 0.00% |
| JACKIE ODONNELL3 Filed as: JACKIE O'DONNELL | 327 STANFORD AVE PITTSBURGH, PA 15229 | AFLAC | $0 | $0 | $0 | 0.00% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DR SOUTH PARK, PA 15129 | RELIANCE STANDARD | $4K | $0 | $4K | 8.02% |
| FIRST NATIONAL INS AGENCY3 | 12 FEDERAL ST PITTSBURGH, PA 15212 | RELIANCE STANDARD | $999 | $0 | $999 | 1.98% |
| CAPITAL INSURANCE ADVISORS LLC3 Filed as: CAPITAL INSURANCE ADVISORS | 1232 BELMONT DR SOUTH PARK, PA 15129 | VBA | $2K | $0 | $2K | 3.67% |
| FIRST NATIONAL INSURANCE AGENCY3 | 117 SOUTH ALLEN ST 2ND FL STATE COLLEGE, PA 16801 | VBA | $584 | $0 | $584 | 1.30% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DR SOUTH PARK, PA 15129 | RELIANCE STANDARD | $3K | $0 | $3K | 8.07% |
| FIRST NATIONAL INS AGENCY3 | 12 FEDERAL ST PITTSBURGH, PA 15212 | RELIANCE STANDARD | $820 | $0 | $820 | 1.93% |
| CAPITAL INSURANCE ADVISORS LLC3 | 1232 BELMONT DR SOUTH PARK, PA 15129 | RELIANCE STANDARD | $2K | $0 | $2K | 7.78% |
| FIRST NATIONAL INS AGENCY3 | 12 FEDERAL ST PITTSBURGH, PA 15212 | RELIANCE STANDARD | $613 | $0 | $613 | 2.22% |
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 | 543 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 230 | $7.2M |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 488 | $267K |
| Vision | VBA | 359 | $45K |
| Life insurance(2 contracts) | RELIANCE STANDARD | 442 | $70K |
| Long-term disability | RELIANCE STANDARD | 431 | $50K |
| Other(3 contracts, 2 carriers) | AFLAC | 442 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.