| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSON & SMELZER | TRIMONT PLAZA 1301 GRANDVIEW AVE STE 400 PITTSBURGH, PA 152114204 | AETNA LIFE INSURANCE CO. | $41K | — | $41K | 1.66% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF PENNSYLVANIA LL | 1301 GRANDVIEW AVE SUITE 400 PITTSBURGH, PA 15211 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 0.16% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $6K | $2K | $8K | 6.44% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 9.27% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $575 | $5K | 17.70% |
| HUNTINGTON INSURANCE INC3 | 310 GRANT STREET PITTSBURGH, PA 45219 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 14.81% |
| SMITH BENEFITS CONSULTING GROUP3 | 174 BERRY FIELD COURT WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $193 | — | $193 | 2.30% |
| RICHARD LOWMAN3 Filed as: RICHARD E LOWMAN II | 219 PITTSBURGH, PA 15211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $171 | — | $171 | 2.04% |
| ANDREA STEARNS3 Filed as: ANDREA J STEARNS | 1195 WASHINGTON PIKE SUITE 340 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | — | $109 | 1.30% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 121 NORTH MARKET ST STE 600 STE 600 WOOSTER, OH 44691 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.94% |
| MARY ANN STRIEBICH3 | 5380 CALIFORNIA AVE BETHEL PARK, PA 15102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.72% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE ROAD SUITE 300 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.63% |
| MARK A TRIBONE3 | 258 WISES GROVE ROAD NEW BRIGHTON, PA 15066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.42% |
| 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 | $23 | — | $23 | 0.27% |
| HUNTINGTON INSURANCE INC3 | 121 NORTH MARKET ST. STE 600 LORI EISEL WOOSTER, OH 44691 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.11% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.08% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.08% |
| MARK TRIBONE3 | 258 WISES GROVE ROAD NEW BRIGHTON, PA 15066 | AFLAC | $227 | — | $227 | 2.79% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN QUINLAN | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $144 | — | $144 | 1.77% |
| KAREN L DENNIS3 Filed as: KAREN DENNIS | PO BOX 168 CORRY, PA 16407 | AFLAC | $77 | — | $77 | 0.95% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $51 | — | $51 | 0.63% |
| DANIEL MCMAHON3 | 185 BRADFORD RD STE 2 BRADFORDWOODS, PA 15015 | AFLAC | $46 | — | $46 | 0.57% |
| LINDA S MERRITT3 Filed as: LINDA SEDAR | 101 CONCORD CHURCH RD BADEN, PA 15005 | AFLAC | $43 | — | $43 | 0.53% |
| FREDERICK L ROSE3 Filed as: FREDERICK ROSE | 810 RIVER AVENUE SUITE 230 PITTSBURGH, PA 15212 | AFLAC | $43 | — | $43 | 0.53% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY QUINLAN | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $25 | — | $25 | 0.31% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $22 | — | $22 | 0.27% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | AFLAC | $16 | — | $16 | 0.20% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $14 | — | $14 | 0.17% |
| BRADLEY KAUFFMAN3 | 315 GREEN RIDGE ROAD SUITE H-1 NEW CASTLE, PA 16105 | AFLAC | $14 | — | $14 | 0.17% |
| RAINIE MESEWICZ3 | 4306 VILLAGE CLUB DR POWELL, OH 43065 | AFLAC | $8 | — | $8 | 0.10% |
| CHANIN LEE CARR3 Filed as: CHANIN CARR | 555 WOODGROVE ST ORMOND BEACH, FL 32174 | AFLAC | $6 | — | $6 | 0.07% |
| TEMPLE K WOODLEY3 Filed as: TEMPLE WOODLEY | 2014 REIS RUN RD PITTSBURGH PITTSBURGH, PA 15237 | AFLAC | $5 | — | $5 | 0.06% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $4 | — | $4 | 0.05% |
| LESLIE KRIEG3 | 1082 CRAWFORD DR LANCASTER, SC 29720 | AFLAC | $4 | — | $4 | 0.05% |
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 | 546 | 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) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 403 | $2.5M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 212 | $130K |
| Vision | AETNA LIFE INSURANCE CO. | 403 | $2.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 546 | $107K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 99 | $27K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 546 | $107K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 546 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.