| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N/A | — | HIGHMARK, INC. | — | — | $0 | 0.00% |
| N/A | — | UNITED CONCORDIA COMPANIES, INC. | — | — | $0 | 0.00% |
| ELIZABETH A RIFFE3 | 219 TIMBER RIDGE CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | — | $22K | 8.44% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 121 BUCKTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | — | $20K | 7.67% |
| KIMBERLY A CARL3 | 111 TARTAN DRIVE GREENSBURG, PA 15601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.81% |
| DANIEL C HARRIS3 Filed as: DANIEL C. HARRIS | 124 CARTERS GROVE DR GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.54% |
| LEAH E. GOLDBERG3 Filed as: LEAH E GOLDBERG | 3936 NORTH MONET COURT ALLISON PARK, PA 15101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.46% |
| JAMONT L KINDS3 | 7546 US ROUTE 30, 3RD FLOOR IRWIN, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $927 | — | $927 | 0.36% |
| ETHAN R. RIFFE3 | 203 MEADOWBROOK DR CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $910 | — | $910 | 0.35% |
| ANCILLARY BENEFITS CONSULTING LLC3 | 902 1ST STREET, #1 CANONSBURG, PA 15317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $900 | — | $900 | 0.35% |
| KELLY A CABLE3 | PO BOX 6, 1032 FRONT ST LEISENRING, PA 15465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $870 | — | $870 | 0.34% |
| JEFFREY CORREAL3 Filed as: JEFFREY S. CORREAL | 253 S. MOUNT VERNON AVE UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $857 | — | $857 | 0.33% |
| CHRISTINE MILDRED SCHOEN3 Filed as: CHRISTINE MILDRED SCHEN | 6048 ROUTE 446 ELDRED, PA 16731 | CONTINENTAL AMERICAN INSURANCE COMPANY | $705 | — | $705 | 0.27% |
| MATTHEW RYAN KIRKWOOD3 Filed as: MATTHEW R KIRKWOOD | 742 ADDIS ST NEW CASTLE, PA 16101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $670 | — | $670 | 0.26% |
| NICOLE L SCHUERFELD3 | 1536 PROSPECT RD PITTSBURGH, PA 15227 | CONTINENTAL AMERICAN INSURANCE COMPANY | $513 | — | $513 | 0.20% |
| WAYNE UZARSKI3 Filed as: WAYNE UZARSKI CONSULTING LLC | 104 VISTA DRIVE CANONSBURG, PA 15317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $512 | — | $512 | 0.20% |
| ERIN MARSTELLER3 Filed as: ERIN M MARSTELLER | 2104 EDWARD STREET BETHEL PARK, PA 15102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $456 | — | $456 | 0.18% |
| SJP & ASSOCIATES3 | 318 WINCHESTER CT CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $447 | — | $447 | 0.17% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE, STE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $430 | — | $430 | 0.17% |
| ADAM N STEINEL3 Filed as: ADAM STEINEL | 2216 TROLIST DRIVE N. HUNTINGDON, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $402 | — | $402 | 0.16% |
| LAWRENCE W LATTA3 | 125 TECHNOLOGY DR, STE 201 CANONSBURG, PA 15317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $365 | — | $365 | 0.14% |
| MICHAEL A. BITTEL3 | 129 MARION DRIVE MCMURRAY, PA 15317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $354 | — | $354 | 0.14% |
| BERTHA SUSAN REYNOLDS3 Filed as: BERTHA S. REYNOLDS | 8979 EASTWOOD RD PITTSBURGH, PA 15235 | CONTINENTAL AMERICAN INSURANCE COMPANY | $341 | — | $341 | 0.13% |
| MICHELE LASER3 | 1102 3RD AVE, APT 1 BRACKENRIDGE, PA 15014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $341 | — | $341 | 0.13% |
| AMY BETH LIEBERMAN3 Filed as: AMY B. LIEBERMAN | 5129 EMPIRE DRIVE BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $303 | — | $303 | 0.12% |
| MATTHEW S MCCLAY3 Filed as: MATTHEW J SCHAAL | 180 HAMPSHIRE DR CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $243 | — | $243 | 0.09% |
| KAYLA RENEE GORDON3 Filed as: KAYLA R GORDON | 218 GRANT ST REYNOLDSVILLE, PA 15851 | CONTINENTAL AMERICAN INSURANCE COMPANY | $242 | — | $242 | 0.09% |
| KIMBERLY A CARL3 | 111 TARTAN DR GREENSBURG, PA 15601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $241 | — | $241 | 0.09% |
| VANESSA K KOSTIC3 Filed as: VANESSA K. KOSTIC | 153 PERRY HIGHWAY PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $231 | — | $231 | 0.09% |
| JAMES B. SEIFERT3 | 120 MARGUERITE DR, STE 101 CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $175 | — | $175 | 0.07% |
| AMY SLOKAN3 Filed as: AMY L SLOKAN | 4413 HESSITE LOOP COLORADO SPRINGS, CO 80938 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | — | $172 | 0.07% |
| JENNIFER HAIR3 | 1699 E. ROY FURMAN HWY CARMICHAELS, PA 15320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $167 | — | $167 | 0.06% |
| NATE L SMITH3 | 120 MARGUERITE DR, STE 101 CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | — | $140 | 0.05% |
| MICHAEL H FLEMING3 Filed as: MICHAEL H. FLEMING | 11186 BROKERS LANE IRWIN, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135 | — | $135 | 0.05% |
| NICHOLETTE R MONTINI3 | 1195 WASHINGTON PIKE, STE 340 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135 | — | $135 | 0.05% |
| DENISE A SZALMA3 | 5500 BROOKTREE RD, STE 102 WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | — | $129 | 0.05% |
| AMANDA TROIANO3 | 8870 KIND DRIVE PITTSBURGH, PA 15237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | — | $127 | 0.05% |
| HALEY E SCHMITT3 Filed as: HALEY SCHMITT | 329 STANFORD AVE PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | — | $117 | 0.05% |
| VYOMA M MODY3 | 202 DEER MEADOW DR PITTSBURGH, PA 15241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | — | $107 | 0.04% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE, STE 300 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | — | $102 | 0.04% |
| MATTHEW S MCCLAY3 | 120 MARGUERITE DR, STE 101 CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | — | $101 | 0.04% |
| KELLY M FERUT3 | 323 TREASURE LAKE DUBOIS, PA 15801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 0.04% |
| ROBERT D BURTON3 | 550 SOUTH AVE VERONA, PA 15147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.04% |
| KAYLA A SADLER3 | 2154 SWALLOW HILL ROAD PITTSBURGH, PA 15220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 0.03% |
| KHS BENEFITS LLC3 | 19 PHYLLIS DRIVE IMPERIAL, PA 15126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.03% |
| CINDY D CORREAL3 | 222 LONGSITE DR, STE 40 UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.02% |
| MELISSA MARIE PORADA3 Filed as: MELISSA M PORADA | 204 RANDALL DRIVE NEW CASTLE, PA 16105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.02% |
| VICKY L LOMAX3 Filed as: VICKY L LOMEX | 153 PERRY HIGHWAY PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.02% |
| JAMES J BANASZAK3 | 550 BROOKTREE RD, STE 102 WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.02% |
| AMANDA C LONG3 | 107 HIDDEN OAK DRIVE MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.02% |
| RYAN FERUT3 | 323 TREASURE LAKE DUBOIS, PA 15801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.02% |
| MELISSA LINZ3 | 525 IV MAIN ST BUTLER, PA 16001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.01% |
| MICHAEL J KELLY3 Filed as: MICHAEL J. KELLY | 314 OAKMONT DRIVE PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.01% |
| CASSEY A. WALKER3 | 426 ALLEGHENY AVE ALIQUIPPA, PA 15001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.01% |
| JOSEPH J KILIAN3 | 1653 DEXTER LANE CHARLESTON, SC 29412 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.01% |
| STACY L PARKER3 | 470 N LIBERTY ROAD GROVE CITY, PA 16127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.01% |
| ALYNN G CERVONE3 | 14220 CRESCENT LN MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| JMP BENEFITS GROUP INC3 | 504 S. MAIN STREET, STE 101 ZELIENOPLE, PA 16063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.01% |
| JEFFREY CORREAL3 Filed as: JEFFREY W. YOUNG | 75 CYCLE AVE, #1 UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| SADIE T PRESCOTT3 | 1130 GRENFIELD DR ERIE, PA 16509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| CHARLES ANTHONY HUMBERGER3 Filed as: CHARLES HUMBERGER | 228 COOL SPRING ROAD WHITE OAK, PA 15131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| LAUREN MERKT3 | 1032 DUNCAN LANE PITTSBURGH, PA 15236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| KAYLA MULLIGAN3 | 825 LINDA FLORA DR LOS ANGELES, CA 90049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| SHARON SPEERHAS3 | 516 8TH STREET AMBRIDGE, PA 15003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| MALLORY E CREDITO3 | 200 IRENE DR JONESTOWN, PA 17038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| DAVID J MLINARICH3 Filed as: DAVID MLINARICH | 11041 BELAIRE DR N. HUNTINGDON, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| JAIME M CHRISTESON3 | 1001 OLD HILLS RD MCKEESPORT, PA 15135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| JANICE K FERRY3 | 153 PERRY HIGHWAY WESTVIEW, PA 18642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| PEGGY LYNN STORMER3 Filed as: PEGGY L. STORMER | 244 MCANINCH ROAD BROOKVILLE, PA 15825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| JESSICA L VANDENELSEN3 Filed as: JESSICA L VAN DEN ELSEN | 67 N BRYANT AVE PITTSBURGH, PA 15202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| PAULA FRANKLIN3 | 2024 SONNY ST PITTSBURGH, PA 15221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: JANICE L. ROGERS | 163 HUNTER DR CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| JACQUELINE E O'DONNELL3 | 327 STANFORD AVE PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| PATRICIA M PIVIROTTO3 Filed as: PATRICIA M. PIVIROTTO | 821 ARBORDALE LANE WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| JOSHUA B PATTEN3 | 120 MARGUERITE DR, STE 101 CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| DOUGLAS KAMPER3 | 624 SUISMAN STREET PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| LEE TENACE3 Filed as: LEE K. TENACE | 321 N. CLARK ST, SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| PATRICK T MICHAEL3 | 384 CENTER AVE, APT 2 PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| TERRENCE M SMITH3 | 4260 ROUND TOP RD EXPORT, PA 15632 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| GARY S SEFCHOK3 Filed as: GARY R. STOM | 1436 COLONY DR GREENSBURG, PA 15601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| NICOLE A BARR3 Filed as: NICOLE A STEELE | 975 TREASURE LAKE DUBOIS, PA 15801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| RAINA TOKAR3 | 153 PERRY HIGHWAY PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MICHAEL S CLISE3 | P.O. BOX 228 EIGHTY FOUR, PA 15330 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DARIAN D STEWART3 | 6000 E. EVANS AVE, STE 1-330 DENVER, CO 80222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| RONALD PUSZ3 Filed as: RONALD W PUSZ | 13496 WALKER STREET MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JESSE L EAMIGH3 | 22 OAK ST, APT 2 MANOR, PA 15665 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$15 | — | -$15 | -0.01% |
| BRANDI L DONLIN3 | 810 RIVER AVE, STE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$17 | — | -$17 | -0.01% |
| MARTHA G ALLEN3 | 412 WASHINGTON ST NEW BETHLEHEM, PA 16242 | AFLAC | $372 | — | $372 | 5.28% |
| RUTH E CURRY3 Filed as: RUTH E. CURRY | P.O. BOX 106 FORD CITY, PA 16226 | AFLAC | $138 | — | $138 | 1.96% |
| MICHAEL H FLEMING3 Filed as: MICHAEL H. FLEMING | 11186 BROKERS LN IRWIN, PA 15642 | AFLAC | $98 | — | $98 | 1.39% |
| RITA BERGSTEIN BENEFITS LLC3 Filed as: RITA M. BERGSTEIN | 12260 STATE ROUTE 30 N. HUNTINGDON, PA 15642 | AFLAC | $86 | — | $86 | 1.22% |
| ETHAN ROBERT RIFFE3 Filed as: ETHAN RIFFE | 550 BROOKTREE RD, STE 102 WEXFORD, PA 15090 | AFLAC | $40 | — | $40 | 0.57% |
| BILLY M CRAIN3 | 8990 WENTLETRAP AVE PORT ST JOE, FL 32456 | AFLAC | $22 | — | $22 | 0.31% |
| DANIEL HAYDEN3 | 2553 RAYMOND AVENUE LATROBE, PA 15650 | AFLAC | $16 | — | $16 | 0.23% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DR, STE 101 CRANBERRY TWP, PA 16066 | AFLAC | $10 | — | $10 | 0.14% |
| JODY D MARSHALL3 | 514 BEAUMONT DR STATE COLLEGE, PA 16801 | AFLAC | $5 | — | $5 | 0.07% |
| DOMINICK J LACARIA3 | 216 ROSCOMMON PL MCMURRAY, PA 15317 | AFLAC | $4 | — | $4 | 0.06% |
| BRIAN TODD KAUFFMAN3 | 3009 WILMINGTON RD NEW CASTLE, PA 16105 | AFLAC | $4 | — | $4 | 0.06% |
| MELISSA DAWN MCCLAIN3 | 526 SCAIFE ROAD SEWICKLEY, PA 15143 | AFLAC | $1 | — | $1 | 0.01% |
| TIMOTHY R QUINLAN3 | P.O. BOX 387 CONNOQUENESSING, PA 16027 | AFLAC | $1 | — | $1 | 0.01% |
| SHARON R GRANT3 | 96 SILVER OAKS CIR, APT 1104 NAPLES, FL 34119 | AFLAC | $1 | — | $1 | 0.01% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE, STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $1 | — | $1 | 0.01% |
| DANIEL E TORRES3 Filed as: DANIEL E. TORRES | 301 JAMESON CT SEVEN FIELDS, PA 16046 | AFLAC | $1 | — | $1 | 0.01% |
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 | 972 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 945 | $8.6M |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 982 | $319K |
| Vision | HIGHMARK, INC. | 945 | $8.6M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 972 | $613K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 972 | $620K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 972 | $613K |
| Prescription drug | HIGHMARK, INC. | 945 | $8.6M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 972 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 982 | — |
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."
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.