| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON-MCCRADY BENEFITS LLC | 310-330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $37K | $37K | 3.00% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON-MCCRADY BENEFITS LLC | 310-330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 0.30% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON-MCCRADY BENEFITS LLC | 310-330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $713 | $4K | 11.13% |
| KELLY M FERUT3 | 323 TREASURE LK DU BOIS, PA 15801 | AFLAC | $994 | $113 | $1K | 5.92% |
| JACQUELINE G KINDERMAN3 | 1260 TREASURE LK DU BOIS, PA 15801 | AFLAC | $923 | $69 | $992 | 5.30% |
| PATRICK PREISEL3 Filed as: PATRICK J PREISEL | 806 YOUNG ST NEW CASTLE, PA 16101 | AFLAC | $516 | $36 | $552 | 2.95% |
| BILLY M CRAIN3 | 57 PICKERING ST BROOKVILLE, PA 15825 | AFLAC | $386 | $45 | $431 | 2.30% |
| DAVID WILSON HOLTZ3 | 29 PENNSYLVANIA AVE BROOKVILLE, PA 15825 | AFLAC | $342 | $54 | $396 | 2.12% |
| AMANDA STEIN3 | 1536 RHODES LN BROOKVILLE, PA 15825 | AFLAC | $221 | — | $221 | 1.18% |
| CANDACE D PARSON3 | 550 TAYLOR ST BROOKVILLE, PA 15825 | AFLAC | $221 | — | $221 | 1.18% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $108 | — | $108 | 0.58% |
| MARILYN WYMAN3 | 4276 STONE CREEK DR ERIE, PA 16506 | AFLAC | $27 | — | $27 | 0.14% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $4 | — | $4 | 0.02% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $3 | — | $3 | 0.02% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $3 | — | $3 | 0.02% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $3 | — | $3 | 0.02% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON-MCCRADY BENEFITS LLC | 310-330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15017 | EYEMED | $924 | — | $924 | 10.00% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON-MCCRADY BENEFITS LLC | 310-330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $873 | $76 | $949 | 22.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 SERVICE PROVIDER | Insurance brokerage commissions and fees Service code 53 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $41K |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $1.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 146 | $38K |
| Vision | EYEMED | 157 | $9K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13 | $4K |
| Short-term disability | AFLAC | 69 | $19K |
| Long-term disability | AFLAC | 69 | $19K |
| Other(2 contracts, 2 carriers) | AFLAC | 69 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.