| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER, JOHNSTON & SMELZER | 1301 GRANDVIEW AVENUE SUITE 400 PITTSBURGH, PA 152111205 | UNITED HEALTHCARE | $2K | $43K | $45K | 2.59% |
| TUCKER JOHNSTON & SMELZER INC3 | 1301 GRANDVIEW AVENUE SUITE 400 PITTSBURGH, PA 15211 | GUARDIAN | $5K | $3K | $8K | 8.76% |
| HUNTINGTON INSURANCE INC3 | 310 GRANT STREET CAB10 PITTSBURGH, PA 45219 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.32% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 310 GRANT STREET CAB10 PITTSBURGH, PA 45219 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.38% |
| HUNTINGTON INSURANCE INC3 | 310 GRANT STREET CAB10 PITTSBURGH, PA 45219 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| SMITH BENEFITS CONSULTING GROUP3 | 174 BERRY FIELD COURT WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $300 | — | $300 | 2.44% |
| RICHARD LOWMAN3 Filed as: RICHARD E LOWMAN II | 219 PITTSBURGH, PA 15211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $272 | — | $272 | 2.22% |
| ANDREA STEARNS3 Filed as: ANDREA J STEARNS | 1195 WASHINGTON PIKE SUITE 340 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173 | — | $173 | 1.41% |
| HUNTINGTON INSURANCE INC3 | 121 NORTH MARKET ST. STE 600 LORI EISEL WOOSTER, OH 44691 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.99% |
| MARY ANN STRIEBICH3 | 5380 CALIFORNIA AVE BETHEL PARK, PA 15102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.79% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE ROAD SUITE 300 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 0.69% |
| MARK A TRIBONE3 | 258 WISES GROVE ROAD NEW BRIGHTON, PA 15066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: NANCY J BROWN | 245 MALONE RIDGE RD SUITE 300 WASHINGTON, PA 15301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.33% |
| HUNTINGTON INSURANCE INC3 | 121 NORTH MARKET ST WOOSTER, OH 44691 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.15% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.09% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.08% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE STE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MARK TRIBONE3 | 258 WISES GROVE ROAD NEW BRIGHTON, PA 15066 | AFLAC | $293 | — | $293 | 3.01% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN QUINLAN | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $155 | — | $155 | 1.59% |
| KAREN L DENNIS3 Filed as: KAREN DENNIS | PO BOX 168 CORRY, PA 16407 | AFLAC | $86 | — | $86 | 0.88% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $86 | — | $86 | 0.88% |
| LINDA S MERRITT3 Filed as: LINDA SEDAR | 101 CONCORD CHURCH RD BADEN, PA 15005 | AFLAC | $53 | — | $53 | 0.54% |
| FREDERICK L ROSE3 Filed as: FREDERICK ROSE | 810 RIVER AVENUE SUITE 230 PITTSBURGH, PA 15212 | AFLAC | $46 | — | $46 | 0.47% |
| DANIEL MCMAHON3 | 185 BRADFORD RD STE 2 BRADFORDWOODS, PA 15015 | AFLAC | $46 | — | $46 | 0.47% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY QUINLAN | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $42 | — | $42 | 0.43% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $25 | — | $25 | 0.26% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | AFLAC | $21 | — | $21 | 0.22% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $16 | — | $16 | 0.16% |
| BRADLEY KAUFFMAN3 | 315 GREEN RIDGE ROAD SUITE H-1 NEW CASTLE, PA 16105 | AFLAC | $14 | — | $14 | 0.14% |
| CHANIN LEE CARR3 Filed as: CHANIN CARR | 555 WOODGROVE ST ORMOND BEACH, FL 32174 | AFLAC | $13 | — | $13 | 0.13% |
| RAINIE MESEWICZ3 | 4306 VILLAGE CLUB DR POWELL, OH 43065 | AFLAC | $10 | — | $10 | 0.10% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $7 | — | $7 | 0.07% |
| TEMPLE K WOODLEY3 Filed as: TEMPLE WOODLEY | 2014 REIS RUN RD PITTSBURGH PITTSBURGH, PA 15237 | AFLAC | $5 | — | $5 | 0.05% |
| LESLIE KRIEG3 | 1082 CRAWFORD DR LANCASTER, SC 29720 | AFLAC | $4 | — | $4 | 0.04% |
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 | 535 | 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) | 535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 378 | $1.7M |
| Dental | GUARDIAN | 186 | $91K |
| Vision | UNITED HEALTHCARE | 378 | $1.7M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 535 | $77K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 44 | $13K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 535 | $46K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 535 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.