| 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 | $6K | — | $6K | 8.95% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 10.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC. | 850 RIDGE AVE. PITTSBURGH, PA 15212 | AMERICAN UNITED LIFE INSURANCE COMPANY | $150 | — | $150 | 0.26% |
| MICHAEL J KELLY3 | 314 OAKMONT DR. PITTSBURGH, PA 15229 | AFLAC | $5K | $191 | $5K | 8.88% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | AFLAC | $1K | — | $1K | 2.43% |
| AMANDA C LONG3 | 150 N MEADOWS DR. WEXFORD, PA 15090 | AFLAC | $489 | $51 | $540 | 0.99% |
| BRITTANY BELL-MARCOTTE3 | 8744 E BARKHURST DR. PITTSBURGH, PA 15237 | AFLAC | $338 | $14 | $352 | 0.65% |
| JOCELYN DEFELICE3 | 806 SUMMIT AVE. MONACA, PA 15061 | AFLAC | $259 | — | $259 | 0.48% |
| MATTHEW S MCCLAY3 | 1086 MANSFIELD AVE INDIANA, PA 15701 | AFLAC | $180 | — | $180 | 0.33% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $141 | — | $141 | 0.26% |
| DESDE PALMER3 | 8880 HIGHLAND RD. PITTSBURGH, PA 15237 | AFLAC | $68 | — | $68 | 0.13% |
| MICHAEL H FLEMING3 | 7546 STATE ROUTE 30 THIRD FLOOR IRWIN, PA 15642 | AFLAC | $62 | — | $62 | 0.11% |
| LISA M STELLO3 | 364 JAMES ST SPRINGDALE, PA 15144 | AFLAC | $59 | — | $59 | 0.11% |
| LEE ANN M. KLINE3 Filed as: LEE ANN M LESOON | 18 PINTAIL DR. PITTSBURGH, PA 15238 | AFLAC | $53 | — | $53 | 0.10% |
| STEPHEN KOZAK3 | 190 SHENOT RD. WEXFORD, PA 15090 | AFLAC | $51 | — | $51 | 0.09% |
| KRISTEN L KELLY3 | 314 OAKMONT DR. PITTSBURGH, PA 15229 | AFLAC | $36 | — | $36 | 0.07% |
| BRADLEY KAUFFMAN3 | 3009 WILMINGTON RD. NEW CASTLE, PA 16105 | AFLAC | $27 | — | $27 | 0.05% |
| PENNY A ZEUGER3 | 211 PATTERSON RD. BETHEL PARK, PA 15102 | AFLAC | $20 | — | $20 | 0.04% |
| JOY GRUBE PADGELEK3 | 318 COTTINGHAM CIR CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $19 | — | $19 | 0.03% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR. STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $16 | — | $16 | 0.03% |
| CYNTHIA SEBAK HARNISH3 | 925 SUMMIT DR. WEXFORD, PA 15090 | AFLAC | $15 | — | $15 | 0.03% |
| MICHELE LASER3 | 1102 MCINTIRE WAY BRACKENRIDGE, PA 15014 | AFLAC | $15 | — | $15 | 0.03% |
| STOVER INSURANCE AGENCY INC3 Filed as: STOVER INSURANCE AGENCY, INC. | 330 HAWTHORNE RD. PITTSBURGH, PA 15209 | AFLAC | $12 | — | $12 | 0.02% |
| JOHN ANTHONY WENTZ3 | 102 JOHN ST PITTSBURGH, PA 15237 | AFLAC | $10 | — | $10 | 0.02% |
| JENNIFER LYNN STARCHER3 | 221 HORSESHOE RD. MORGANTOWN, WV 26508 | AFLAC | $10 | — | $10 | 0.02% |
| HEATHER BARTLEY3 | 120 MARGUERITE DR. STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $9 | — | $9 | 0.02% |
| STEVE J PADGELEK3 | 5500 BROOKTREE RD. STE 102 WEXFORD, PA 15090 | AFLAC | $9 | — | $9 | 0.02% |
| ANDREA STEARNS3 | PO BOX 323 BETHEL PARK, PA 15102 | AFLAC | $8 | — | $8 | 0.01% |
| EVAN BENJAMIN GERSON3 | 521 SALEM HEIGHTS DR. GIBSONIA, PA 15044 | AFLAC | $7 | — | $7 | 0.01% |
| BYRON ALLEN BRAY3 | 111 MINNOCK DR. MARS, PA 16046 | AFLAC | $7 | — | $7 | 0.01% |
| CYNTHIA KAY PATTEN3 | 121 BUCKTHORN RD. BADEN, PA 15005 | AFLAC | $6 | — | $6 | 0.01% |
| DANIEL C HARRIS3 | 413 OAK RIDGE CT MARS, PA 16046 | AFLAC | $6 | — | $6 | 0.01% |
| FREDERICK L ROSE3 | 3631 PUTTER POINT LN FORT MYERS, FL 33919 | AFLAC | $5 | — | $5 | 0.01% |
| TYE ELLIOTT3 | 2315 W PINNACLE DR. DUNLAP, IL 61525 | AFLAC | $5 | — | $5 | 0.01% |
| DANIEL E TORRES3 | 301 JAMESON CT SEVEN FIELDS, PA 16046 | AFLAC | $4 | — | $4 | 0.01% |
| LEE TENACE3 Filed as: LEE KRISTIAN TENACE | 151 BROOKFIELD ESTATES DR. WEXFORD, PA 15090 | AFLAC | $4 | — | $4 | 0.01% |
| WILLIAM K LIEBERMAN3 | 339 6TH AVE STE 720 PITTSBURGH, PA 15222 | AFLAC | $3 | — | $3 | 0.01% |
| MJA CONSULTING LLC3 | 30 THORNCREST DR PITTSBURGH, PA 15235 | AFLAC | $2 | — | $2 | 0.00% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $2 | — | $2 | 0.00% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $563 | — | $563 | 3.00% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 258 | $69K |
| Vision | VISION BENEFITS OF AMERICA | 150 | $19K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 72 | $111K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 72 | $111K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 72 | $57K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 72 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.