| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 7.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVE. PITTSBURGH, PA 15212 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $496 | — | $496 | 0.97% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 11.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC. | 850 RIDGE AVE. PITTSBURGH, PA 15212 | AMERICAN UNITED LIFE INSURANCE COMPANY | $101 | — | $101 | 0.23% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | HIGHMARK, INC. | $369 | — | $369 | 2.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVE. PITTSBURGH, PA 15212 | HIGHMARK, INC. | $165 | — | $165 | 1.34% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 294 | $51K |
| Vision | HIGHMARK, INC. | 270 | $12K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 77 | $44K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 77 | $44K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 77 | $44K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 77 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.