| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4 RADNOR CORPORATE CENTER 100 MATSONFORD ROAD, SUITE 510 WAYNE, PA 19087 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $19K | $19K | 1.37% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $7K | $7K | 0.49% |
| STRATGIC EMPLOYEE BENEFIT SERVICES3 | 600 WATERFRONT DRIVE SUITE 225 PITTSBURGH, PA 15222 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 0.26% |
| PATRICIA M CUMMINGS3 Filed as: PATRICIA M. CUMMINGS | 1190 BUCKNELL DRIVE MONROEVILLE, PA 15146 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.31% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $117 | — | $117 | 0.11% |
| PATRICIA M CUMMINGS3 | 1190 BUCKNELL DRIVE MONROEVILLE, PA 15146 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | — | $8K | 11.97% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | AMERICAN UNITED LIFE INSURANCE COMPANY | $625 | — | $625 | 0.91% |
| M. SUZANNE TRACEY & ASSOCIATES3 Filed as: M SUZANNE TRACEY | 1190 BUCKNELL DRIVE MONROEVILLE, PA 15146 | VISION BENEFITS OF AMERICA | $668 | — | $668 | 6.18% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $30 | — | $30 | 0.28% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 361 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $104K |
| Vision | VISION BENEFITS OF AMERICA | 133 | $11K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 191 | $68K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 191 | $68K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 191 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.