| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N/A | — | AETNA LIFE INSURANCE CO | — | — | $0 | 0.00% |
| ELIZABETH A RIFFE3 Filed as: ELIZABETH A. RIFFE | 203 MEADOWBROOK DR CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49K | — | $49K | 7.03% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DR, STE 101 CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | — | $27K | 3.79% |
| ETHAN R. RIFFE3 | 203 MEADOWBROOK DR CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 2.70% |
| JEFFREY CORREAL3 Filed as: JEFFREY S. CORREAL | 253 S MOUNT VERNON AVE UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 1.12% |
| DENISE A SZALMA3 Filed as: DENISE A. SZALMA | 5500 BROOKTREE RD, STE 102 WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 1.02% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DR, STE 101 CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.66% |
| SJP & ASSOCIATES3 | 318 WINCHESTER CT CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.49% |
| AMY SLOKAN3 Filed as: AMY L. SLOKAN | 204 KIRKWOOD DR CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.43% |
| JEFFREY CORREAL Filed as: JEFFREY W. YOUNG | 75 CYCLE AVE, #1 UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.42% |
| MATTHEW S MCCLAY3 Filed as: MATTHEW J. SCHAAL | 180 HAMPSHIRE DRIVE CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.38% |
| CINDY D CORREAL3 Filed as: CINDY D. CORREAL | 222 LONG SITE DR, STE 40 UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.35% |
| MARIO HAIFA3 Filed as: MARIO HAFIA | 1195 WASHINGTON PIKE, STE 300 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.35% |
| LAWRENCE W LATTA Filed as: LAWRENCE W. LATTA | 1195 WASHINGTON PIKE, STE 340 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.24% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE, STE 300 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.17% |
| GARY S SEFCHOK Filed as: GARY R. STOM | 1436 COLONY DRIVE GREENSBURG, PA 15601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.17% |
| BRANDI L DONLIN Filed as: BRANDI L. DONLIN | 810 RIVER AVE, SUITE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $853 | — | $853 | 0.12% |
| ROBERT D BURTON3 Filed as: ROBERT D. BURTON | 385 WASHINGTON AVE OAKMONT, PA 15139 | CONTINENTAL AMERICAN INSURANCE COMPANY | $691 | — | $691 | 0.10% |
| MALLORY E CREDITO3 Filed as: MALLORY E. CREDITO | 200 IRENE DRIVE JONESTOWN, PA 17038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $595 | — | $595 | 0.08% |
| PAULA FRANKLIN | 2024 SONNY ST PITTSBURGH, PA 15221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $547 | — | $547 | 0.08% |
| JAMES J BANASZAK3 Filed as: JAMES J. BANASZAK | 5500 BROOKTREE RD, STE 102 WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $448 | — | $448 | 0.06% |
| JOSEPH J KILIAN3 Filed as: JOSEPH J. KILIAN | 1653 DEXTER LANE CHARLESTON, SC 29412 | CONTINENTAL AMERICAN INSURANCE COMPANY | $439 | — | $439 | 0.06% |
| AMANDA TROIANO3 | 111 INVERNESS DRIVE PITTSBURGH, PA 15238 | CONTINENTAL AMERICAN INSURANCE COMPANY | $416 | — | $416 | 0.06% |
| HIGGINBOTHAM INS AGENCY INC Filed as: AARON R. HIGGINBOTHAM | 405 WESTERN AVE, APT. 2 PITTSBURGH, PA 15215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $412 | — | $412 | 0.06% |
| KAYLA MULLIGAN3 | 10523 VALPARAISO ST LOS ANGELES, CA 90034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $381 | — | $381 | 0.05% |
| STACY PATRICK | 19 PHYLLIS DRIVE IMPERIAL, PA 15126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $328 | — | $328 | 0.05% |
| JAMES B. SEIFERT | 120 MARGUERITE DR, STE 101 CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $258 | — | $258 | 0.04% |
| HALEY E SCHMITT3 Filed as: HALEY SCHMITT | 5500 BROOKTREE RD, STE 102 WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $232 | — | $232 | 0.03% |
| JACQUELINE E O'DONNELL3 Filed as: JACQUELINE E. O'DONNELL | 327 STANFORD AVE PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $232 | — | $232 | 0.03% |
| TERRENCE M SMITH Filed as: TERRENCE M. SMITH | 4260 ROUND TOP ROAD EXPORT, PA 15632 | CONTINENTAL AMERICAN INSURANCE COMPANY | $196 | — | $196 | 0.03% |
| SJP & ASSOCIATES3 | 318 WINCHESTER CT CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $171 | — | $171 | 0.02% |
| LEE TENACE Filed as: LEE K. TENACE | 321 N. CLARK ST, STE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | — | $158 | 0.02% |
| LEANNE M CLARK3 Filed as: LEANNE M. CLARK | 100 TIMBERBROOK COURT ZELIENOPLE, PA 16063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | — | $113 | 0.02% |
| CAROL D YURECHKO3 Filed as: CAROL D. YURECHKO | 301 LEWIS AVE JEANNETTE, PA 15644 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.01% |
| LEE TENACE Filed as: LEE K. TENACE | 321 N. CLARK ST, STE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.01% |
| HIGGINBOTHAM INS AGENCY INC Filed as: AARON R. HIGGINBOTHAM | 405 WESTERN AVE, APT. 2 PITTSBURGH, PA 15215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.00% |
| CRAIG R. WOLCOTT3 | 107 S. 13TH STREEET PITTSBURGH, PA 15203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JAMES B. SEIFERT | 120 MARGUERITE DR, STE 101 CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JOSHUA B PATTEN Filed as: JOSHUA B. PATTEN | 120 MARGUERITE DR, STE 101 CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| NATHANIEL W PATTEN Filed as: NATHANIEL W. PATTEN | 102 PEPPERGRASS ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MARTHA G ALLEN3 Filed as: MARTHA G. ALLEN | 412 WASHINGTON STREET NEW BETHLEHEM, PA 16242 | AFLAC | $4K | $61 | $4K | 13.08% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE ROUTE 30 N HUNTINGDON, PA 15642 | AFLAC | $720 | $12 | $732 | 2.56% |
| RIFFE CONSULTING GROUP LLC3 | 203 MEADOWBROOK DR CRANBERRY TWP, PA 16066 | AFLAC | $409 | $12 | $421 | 1.47% |
| RUTH E CURRY3 | P.O. BOX 106 FORD CITY, PA 16226 | AFLAC | $258 | — | $258 | 0.90% |
| MICHAEL H FLEMING3 Filed as: MICHAEL H. FLEMING | 11186 BROKERS LN IRWIN, PA 15642 | AFLAC | $164 | — | $164 | 0.57% |
| KEVIN R. ALLEN3 Filed as: KEVIN R ALLEN | 159 HILLCREST DRIVE MAYPORT, PA 16240 | AFLAC | $138 | — | $138 | 0.48% |
| BILLY M CRAIN3 Filed as: BILLY M. CRAIN | 57 PICKERING ST BROOKVILLE, PA 15825 | AFLAC | $118 | — | $118 | 0.41% |
| MARIO HAIFA3 Filed as: MARIO HAFIA | 1195 WASHINGTON PIKE, STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $50 | $4 | $54 | 0.19% |
| DEBORAH SUE RAY3 | 116 DUFFY ROAD FREEPORT, PA 16229 | AFLAC | $51 | — | $51 | 0.18% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DR, STE 101 CRANBERRY TWP, PA 16066 | AFLAC | $50 | — | $50 | 0.18% |
| GENNY A. ROTTMAN3 | 112 N. VOT LANE EAST BRADY, PA 16028 | AFLAC | $30 | — | $30 | 0.11% |
| JODY D MARSHALL3 Filed as: JODY D. MARSHALL | 514 BEAUMONT DR STATE COLLEGE, PA 16801 | AFLAC | $25 | — | $25 | 0.09% |
| DOMINICK J LACARIA3 Filed as: DOMINICK J. LACARIA | 216 ROSCOMMON PLACE MCMURRAY, PA 15317 | AFLAC | $19 | — | $19 | 0.07% |
| JOHN D DUNKERLEY3 Filed as: JOHN D. DUNKERLEY | P.O. BOX 122 ST. PETERSBURG, PA 16054 | AFLAC | $16 | — | $16 | 0.06% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY R. QUINLAN | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $12 | — | $12 | 0.04% |
| BRIAN TODD KAUFFMAN3 Filed as: BRIAN TODD KAUFMANN | 315 GREEN RIDGE RD, STE H-1 NEW CASTLE, PA 16105 | AFLAC | $11 | — | $11 | 0.04% |
| J REED ANDERSON3 Filed as: J. REED ANDERSON | 50544 LIVINGSTON DR NORTHVILLE, MI 48168 | AFLAC | $9 | — | $9 | 0.03% |
| ESS NEXTIER INSURANCE GROUP LLC3 Filed as: ESS NEXTIER INSURANCE GROUP INC | P.O. BOX 955 KITTANNING, PA 16201 | AFLAC | $7 | — | $7 | 0.02% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVENUE INDIANA, PA 15701 | AFLAC | $6 | — | $6 | 0.02% |
| DENNIS L HULSE3 Filed as: DENNIS L. HULSE | 240 PARALLEL ST PLEASANTVILLE, PA 16341 | AFLAC | $6 | — | $6 | 0.02% |
| MELISSA DAWN MCCLAIN3 | 104 WITHEROW RD SEWICKLEY, PA 15143 | AFLAC | $1 | — | $1 | 0.00% |
| SHARON R GRANT3 | 4975 KINGSTON WAY NAPLES, FL 34119 | AFLAC | $1 | — | $1 | 0.00% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $1 | — | $1 | 0.00% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE, STE 300 BRIDGEVILLE, PA 15017 | AFLAC | — | — | $0 | 0.00% |
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 | 2,832 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,851 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 2,003 | $9.5M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 2,367 | $526K |
| Vision(2 contracts) | EYEMED VISION CARE | 2,161 | $119K |
| Short-term disability | AFLAC | 35 | $29K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,374 | $818K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,374 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.