| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS NETWORK INC. (WEXFORD,PA)3 Filed as: BENEFITS NETWORK, INC. | 115 VIP DRIVE, SUITE 300 WEXFORD, PA 15090 | UPMC HEALTH OPTIONS | $36K | $0 | $36K | 3.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP BENEFITS NETWORK, INC. | 115 VIP DRIVE, SUITE 300 WEXFORD, PA 15090 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $9K | $9K | 10.34% |
| BENEFITS NETWORK INC. (WEXFORD,PA)3 Filed as: BENEFITS NETWORK, INC. | 115 VIP DRIVE, SUITE 300 SOMERSET, PA 15501 | AFLAC | $3K | $0 | $3K | 8.27% |
| TRAVIS ALBERT LING3 | 243 TAMARACK DRIVE MARS, PA 16046 | AFLAC | $2K | $598 | $2K | 6.87% |
| DOUGLAS KAMPER3 | 624 SUISMON STREET PITTSBURGH, PA 15212 | AFLAC | $718 | $140 | $858 | 2.70% |
| DRAYKE KARGES3 | 7750 BLAZY ROAD EDINBORO, PA 16412 | AFLAC | $445 | $255 | $700 | 2.21% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE, SUITE 230 PITTSBURGH, PA 15212 | AFLAC | $438 | $204 | $642 | 2.02% |
| BENEFITS NETWORK INC. (WEXFORD,PA)3 Filed as: BENEFITS NETWORK, INC. | 115 VIP DRIVE, SUITE 300 WEXFORD, PA 15090 | AFLAC | $593 | $0 | $593 | 1.87% |
| N. BUZZELLI INS LLC & OTHER AGENTS3 | 155 CURTIS COURT PITTSBURGH, PA 15237 | AFLAC | $27 | $12 | $39 | 0.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OHIO, INC. | 6450 ROCKSIDE WOODS BOULEVARD SOUTH SUITE 250 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $998 | $3K | 13.93% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 9.13% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 317 | $1.0M |
| Dental | UPMC HEALTH OPTIONS | 317 | $956K |
| Vision | UPMC HEALTH OPTIONS | 317 | $956K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 223 | $53K |
| Prescription drug | UPMC HEALTH OPTIONS | 317 | $956K |
| Other(2 contracts, 2 carriers) | AFLAC | 223 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.