| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $985 | $0 | $985 | 8.94% |
| DANIEL C HARRIS3 Filed as: DANIEL C. HARRIS AND OTHER AGENTS | 413 OAK RIDGE COURT MARS, PA 16046 | AFLAC | $348 | $0 | $348 | 3.16% |
| PAUL FICK3 | 1649 EMERSON AVENUE FORT WAYNE, IN 46808 | AFLAC | $137 | $0 | $137 | 1.24% |
| MARIANNEE. SULLIVAN3 | 305 WATERFORD COURT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $81 | $0 | $81 | 0.74% |
| HEIDI A HERDMAN3 Filed as: HEIDI HERDMAN | 1227 CRANE BROOK WAY PEABODY, MA 01960 | AFLAC | $79 | $0 | $79 | 0.72% |
| JEREMY C TUCKFELT3 Filed as: JEREMY C. TUCKFELT | 616 SOUTH MILLVALE AVENUE PITTSBURGH, PA 15224 | AFLAC | $71 | $0 | $71 | 0.64% |
| MS BENEFITS3 Filed as: MS BENEFITS LLC | 100 CHALLENGER ROAD, SUITE 400 RIDGEFIELD PARK, NJ 07660 | AFLAC | $64 | $0 | $64 | 0.58% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AFLAC | 7 | $11K |
| Short-term disability | AFLAC | 7 | $11K |
| Other | AFLAC | 7 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.