| 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 | — | $24K | $24K | 1.82% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD, SUITE 310 PITTSBURGH, PA 15220 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 0.61% |
| LEAH E MELLAY3 Filed as: LEAH GOLDBERG | 3936 N MONET CT ALLISON PARK, PA 15101 | AFLAC | $4K | $41 | $4K | 11.13% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON-MCCRADY BENEFITS LLC | 330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | AFLAC | $3K | — | $3K | 7.43% |
| JACQUELINE G KINDERMAN3 | 1260 TREASURE LK DU BOIS, PA 15801 | AFLAC | $2K | $19 | $2K | 4.87% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE ROAD, SUITE 310 PITTSBURGH, PA 15220 | AFLAC | $901 | — | $901 | 2.48% |
| KELLY M FERUT3 | 323 TREASURE LK DU BOIS, PA 15801 | AFLAC | $693 | $42 | $735 | 2.02% |
| BILLY M CRAIN3 | 1026 RHODES LN BROOKVILLE, PA 15825 | AFLAC | $510 | $10 | $520 | 1.43% |
| PATRICK PREISEL3 Filed as: PATRICK J PREISEL | 806 YOUNG ST NEW CASTLE, PA 16101 | AFLAC | $386 | $0 | $386 | 1.06% |
| BILLY M CRAIN3 | 57 PICKERING ST BROOKVILLE, PA 15825 | AFLAC | $236 | — | $236 | 0.65% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $96 | — | $96 | 0.26% |
| DAVID WILSON HOLTZ3 | 29 PENNSYLVANIA AVE BROOKVILLE, PA 15825 | AFLAC | $37 | — | $37 | 0.10% |
| AMANDA STEIN3 | 1536 RHODES LN BROOKVILLE, PA 15825 | AFLAC | $33 | — | $33 | 0.09% |
| CANDACE D PARSON3 | 550 TAYLOR ST BROOKVILLE, PA 15825 | AFLAC | $33 | — | $33 | 0.09% |
| MARILYN WYMAN3 | 4276 STONE CREEK DR ERIE, PA 16506 | AFLAC | $29 | — | $29 | 0.08% |
| AMANDA STEIN3 | 244 MCANINCH RD BROOKVILLE, PA 15825 | AFLAC | $21 | — | $21 | 0.06% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $17 | — | $17 | 0.05% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $14 | — | $14 | 0.04% |
| DAVID WILSON HOLTZ3 | 29 PENNSYLVANIA AVE BROOKVILLE, PA 15825 | AFLAC | $8 | — | $8 | 0.02% |
| AMANDA STEIN3 | 1536 RHODES LN BROOKVILLE, PA 15825 | AFLAC | $5 | — | $5 | 0.01% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $4 | — | $4 | 0.01% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $3 | — | $3 | 0.01% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES DAVID PORTERFIELD3 | PO BOX 3041 ELKINS, WV 26241 | AFLAC | $0 | — | $0 | 0.00% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON-MCCRADY BENEFITS LLC | 310-330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15017 | EYEMED | $813 | — | $813 | 7.50% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 310-330 GRANT STREET SUITE 310 PITTSBURGH, PA 15219 | EYEMED | $271 | — | $271 | 2.50% |
| COURY HEALTH SERVICES LLC3 | 301 GRANT ST SUITE 300 PITTSBURGH, PA 15219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $509 | $25 | $534 | 17.52% |
| 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 | $39K |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 161 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 161 | $1.3M |
| Vision | EYEMED | 167 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13 | $3K |
| Short-term disability | AFLAC | 93 | $36K |
| Long-term disability | AFLAC | 93 | $36K |
| Other(2 contracts, 2 carriers) | AFLAC | 93 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.