| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N/A | — | HIGHMARK, INC. | — | — | $0 | 0.00% |
| ELIZABETH A RIFFE3 | 203 MEADOWBROOK DR CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36K | — | $36K | 6.52% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DR, STE 101 CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | — | $20K | 3.56% |
| ETHAN R. RIFFE3 | 203 MEADOWBROOK DR CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 1.26% |
| KAYLA A SADLER3 | 297 HOLLAND CT CORAOPOLIS, PA 15108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.72% |
| LAWRENCE W LATTA3 | 1195 WASHINGTON PIKE, STE 340 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.72% |
| MATTHEW S MCCLAY3 Filed as: MATTHEW J SCHAAL | 180 HAMPSHIRE DR CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.58% |
| JEFFREY CORREAL3 Filed as: JEFFREY S. CORREAL | 253 S. MOUNT VERNON AVE UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.47% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DR, STE 101 CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.43% |
| SJP & ASSOCIATES3 | 318 WINCHESTER CT CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.37% |
| JEFFREY CORREAL3 Filed as: JEFFREY S. CORREAL | 253 S. MOUNT VERNON AVE UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.34% |
| DENISE A SZALMA3 | 550 BROOKTREE RD, STE 102 WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.32% |
| PATRICIA M PIVIROTTO3 Filed as: PATRICIA M. PIVIROTTO | 821 ARBORDALE LANE WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.27% |
| MARIO HAIFA3 Filed as: MARIO HAFIA | 1195 WASHINGTON PIKE, STE 300 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.24% |
| AMY SLOKAN3 Filed as: AMY L SLOKAN | 541 W. GAINSBOROUGH RD, #101 THOUSANDS OAKS, CA 91360 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.21% |
| JEFFREY CORREAL3 Filed as: JEFFREY W YOUNG | 75 CYCLE AVE, #1 UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $920 | — | $920 | 0.17% |
| VANESSA K KOSTIC3 | 153 PERRY HIGHWAY PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $909 | — | $909 | 0.16% |
| ANNA K. LOCY3 Filed as: ANNA K LOCY | 1195 WASHINGTON PIKE, STE 340 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $836 | — | $836 | 0.15% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE, STE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $770 | — | $770 | 0.14% |
| STACY PATRICK3 | 19 PHYLLIS DR IMPERIAL, PA 15126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $745 | — | $745 | 0.14% |
| CINDY D CORREAL3 Filed as: CINDY D. CORREAL | 222 LONGSITE DR, STE 40 UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $739 | — | $739 | 0.13% |
| JAMES B. SEIFERT3 Filed as: JAMES B SEIFERT | 120 MARGUERITE DR, STE 101 CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $656 | — | $656 | 0.12% |
| JENNIFER HAIR3 | 1699 ROY FURMAN HWY CARMICHAELS, PA 15320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $619 | — | $619 | 0.11% |
| HALEY E SCHMITT3 Filed as: HALEY SCHMITT | 329 STANDFORD AVE PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $466 | — | $466 | 0.08% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE, STE 300 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $440 | — | $440 | 0.08% |
| ROGERS BENEFIT GROUP INC3 Filed as: JANICE L ROGERS | 163 HUNTER DR CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $405 | — | $405 | 0.07% |
| THOMAS F MCGARRY3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $396 | — | $396 | 0.07% |
| JAMES B. SEIFERT3 Filed as: JAMES B SEIFERT | 120 MARGUERITE DR, STE 101 CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $359 | — | $359 | 0.07% |
| RAINA TOKAR3 | 153 PERRY HIGHWAY PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $321 | — | $321 | 0.06% |
| GARY S SEFCHOK3 Filed as: GARY R STROM | 1436 COLONY DR GREENSBURG, PA 15601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $286 | — | $286 | 0.05% |
| DARIAN D STEWART3 | 600 EVANS AVE, STE 1-330 DENVER, CO 80222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $283 | — | $283 | 0.05% |
| AMANDA TROIANO3 | 111 INVERNESS DR PITTSBURGH, PA 15237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $268 | — | $268 | 0.05% |
| JAMES J BANASZAK3 | 550 BROOKTREE RD, STE 102 WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $258 | — | $258 | 0.05% |
| ROBERT D BURTON3 | 385 WASHINGTON AVE OAKMONT, PA 15139 | CONTINENTAL AMERICAN INSURANCE COMPANY | $255 | — | $255 | 0.05% |
| BRANDI L DONLIN3 | 810 RIVER AVE, STE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $254 | — | $254 | 0.05% |
| JOSEPH J KILIAN3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $223 | — | $223 | 0.04% |
| KAYLA MULLIGAN3 | 825 LINDA FLORA DR LOS ANGELES, CA 90049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $177 | — | $177 | 0.03% |
| PAULA FRANKLIN3 | 2024 SONNY ST PITTSBURGH, PA 15221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $159 | — | $159 | 0.03% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: AARON R. HIGGINBOTHAM | 405 WESTERN AVE, APT. #2 PITTSBURGH, PA 15215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | — | $129 | 0.02% |
| LEE TENACE3 Filed as: LEE K. TENACE | 321 N. CLARK ST, SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.01% |
| TERRENCE M SMITH3 Filed as: TERRENCE M. SMITH | 4260 ROUND TOP ROAD EXPORT, PA 15632 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.01% |
| ALYNN G CERVONE3 | 14220 CRESCENT LN MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.01% |
| SJP & ASSOCIATES3 | 318 WINCHESTER CT CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.01% |
| JACQUELINE E O'DONNELL3 Filed as: JACQUELINE E. O'DONNELL | 327 STANFORD AVE PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.01% |
| LEE TENACE3 Filed as: LEE K. TENACE | 321 N. CLARK ST, SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.00% |
| LEANNE M CLARK3 | 1005 TIMBERBROOK CT ZELIENOPLE, PA 16063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: AARON R. HIGGINBOTHAM | 405 WESTERN AVE, APT. #2 PITTSBURGH, PA 15215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| CAROL D YURECHKO3 | 301 LEWIS AVE JEANNETTE, PA 15644 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| JOSHUA B PATTEN3 | 120 MARGUERITE DR, STE 101 CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| MALLORY E CREDITO3 | 200 IRENE DR JONESTOWN, PA 17038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MICHAEL H FLEMING3 Filed as: MICHAEL H. FLEMING | 11186 BROKERS LN N HUNTINGDON, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| CYNTHIA KAY PATTEN3 Filed as: CYNTHIA K PATTEN | 102 PEPPERGRASS RD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| N/A | — | UNITED CONCORDIA INSURANCE COMPANY | — | — | $0 | 0.00% |
| N/A | — | LYTLE EAP PARTNERS | — | — | $0 | 0.00% |
| MARTHA G ALLEN3 Filed as: MARTHA G. ALLEN | 412 WASHINGTON STREET NEW BETHLEHEM, PA 16242 | AFLAC | $3K | $86 | $3K | 11.24% |
| MICHAEL H FLEMING3 Filed as: MICHAEL H. FLEMING | 11186 BROKERS LN IRWIN, PA 15642 | AFLAC | $661 | $34 | $695 | 2.69% |
| RUTH E CURRY3 | P.O. BOX 106 FORD CITY, PA 16226 | AFLAC | $244 | $0 | $244 | 0.95% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE ROUTE 30 N HUNTINGDON, PA 15642 | AFLAC | $226 | $0 | $226 | 0.88% |
| KEVIN R. ALLEN3 Filed as: KEVIN R ALLEN | 159 HILLCREST DRIVE MAYPORT, PA 16240 | AFLAC | $108 | $0 | $108 | 0.42% |
| RIFFE CONSULTING GROUP LLC3 | 203 MEADOWBROOK DR CRANBERRY TWP, PA 16066 | AFLAC | $102 | $0 | $102 | 0.40% |
| BILLY M CRAIN3 Filed as: BILLY M. CRAIN | 1026 RHODES LANE BROOKVILLE, PA 15825 | AFLAC | $79 | $0 | $79 | 0.31% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DR, STE 101 CRANBERRY TWP, PA 16066 | AFLAC | $50 | $0 | $50 | 0.19% |
| BILLY M CRAIN3 Filed as: BILLY M. CRAIN | 57 PICKERING ST BROOKVILLE, PA 15825 | AFLAC | $38 | $0 | $38 | 0.15% |
| DEBORAH SUE RAY3 | 116 DUFFY ROAD FREEPORT, PA 16229 | AFLAC | $30 | $0 | $30 | 0.12% |
| MARIO HAIFA3 Filed as: MARIO HAFIA | 1195 WASHINGTON PIKE, STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $24 | $0 | $24 | 0.09% |
| JODY D MARSHALL Filed as: JODY D. MARSHALL | 514 BEAUMONT DR STATE COLLEGE, PA 16801 | AFLAC | $23 | — | $23 | 0.09% |
| DOMINICK J LACARIA3 Filed as: DOMINICK J. LACARIA | 216 ROSCOMMON PLACE MCMURRAY, PA 15317 | AFLAC | $18 | $0 | $18 | 0.07% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY R. QUINLAN | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $15 | $0 | $15 | 0.06% |
| JOHN D DUNKERLEY3 Filed as: JOHN D. DUNKERLEY | P.O. BOX 122 ST. PETERSBURG, PA 16054 | AFLAC | $15 | $0 | $15 | 0.06% |
| BRIAN TODD KAUFFMAN3 Filed as: BRIAN TODD KAUFMANN | 315 GREEN RIDGE RD, STE H-1 NEW CASTLE, PA 16105 | AFLAC | $12 | $0 | $12 | 0.05% |
| J REED ANDERSON3 Filed as: J. REED ANDERSON | 50544 LIVINGSTON DR NORTHVILLE, MI 48168 | AFLAC | $9 | $0 | $9 | 0.03% |
| ESS NEXTIER INSURANCE GROUP LLC3 Filed as: ESS NEXTIER INSURANCE GROUP INC | P.O. BOX 955 KITTANNING, PA 16201 | AFLAC | $7 | $0 | $7 | 0.03% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVENUE INDIANA, PA 15701 | AFLAC | $5 | $0 | $5 | 0.02% |
| MELISSA DAWN MCCLAIN3 | 104 WITHEROW RD SEWICKLEY, PA 15143 | AFLAC | $5 | $0 | $5 | 0.02% |
| SHARON R GRANT3 | 4975 KINGSTON WAY NAPLES, FL 34119 | AFLAC | $4 | $0 | $4 | 0.02% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE, STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $4 | $0 | $4 | 0.02% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $3 | $0 | $3 | 0.01% |
| JAMES DAVID PORTERFIELD3 | P.O. BOX 3041 ELKINS, WV 26241 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARILYN WYMAN3 | 4276 STONE CREEK DR ERIE, PA 16506 | AFLAC | $1 | $0 | $1 | 0.00% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVENUE INDIANA, PA 15701 | AFLAC | $1 | $0 | $1 | 0.00% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN J. QUINLAN | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAMES G BRANDT3 Filed as: JAMES G. BRANDT | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOHN P FRICK3 Filed as: JOHN P. FRICK | 724 HIGH STREET EXT DUNBAR, PA 15431 | AFLAC | $1 | $0 | $1 | 0.00% |
| ASHTON CONSULTING INC3 Filed as: ASHTON CONSULTING INC. | 3606 RIDGEVIEW DR, STE 200 COLUMBIA, MO 65203 | AFLAC | $1 | $0 | $1 | 0.00% |
| IRENE E BROOKS3 Filed as: IRENE E. BROOKS | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AFLAC | $1 | $0 | $1 | 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 | 2,991 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,020 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 2,199 | $11.4M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 2,590 | $523K |
| Vision | HIGHMARK, INC. | 2,199 | $11.4M |
| Short-term disability | AFLAC | 36 | $26K |
| Prescription drug | HIGHMARK, INC. | 2,199 | $11.4M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,280 | $668K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,280 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.