| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $18K | — | $18K | 3.71% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $7K | — | $7K | 3.66% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $3K | — | $3K | 4.03% |
| THE DJB GROUP3 Filed as: THE DJB GROUP LLC | 231 CHESTNUT STREET STE 410 MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 24.77% |
| ALYNN G CERVONE3 | 14220 CRESCENT LANE MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 14.66% |
| EMILY GIBSON3 | 751 SYLVANIA ROAD SLIPPERY ROCK, PA 16057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 10.97% |
| MEGHAN NICOLE BAUSCH3 | 21460 CHURCH STREET VENANGO, PA 16440 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 7.96% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE SUITE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.52% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UPMC HEALTH BENEFITS | $5K | — | $5K | 9.42% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UPMC HEALTH BENEFITS | $460 | — | $460 | 9.47% |
| ALYNN G CERVONE3 | 14220 CRESCENT LANE MEADVILLE, PA 16335 | AFLAC | $180 | — | $180 | 4.52% |
| MICHAEL J KELLY3 | 314 OAKMONT DRIVE PITTSBURGH, PA 15229 | AFLAC | $50 | — | $50 | 1.25% |
| ROGERS BENEFIT GROUP INC3 Filed as: JANICE L ROGERS | 163 HUNTER DRIVE CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $44 | — | $44 | 1.10% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN ROAD PITTSBURGH, PA 15237 | AFLAC | $24 | — | $24 | 0.60% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE SUITE 230 PITTSBURGH, PA 15212 | AFLAC | $23 | — | $23 | 0.58% |
| MEAGHAN CHRISTIN EGGER3 | 6919 MERTON ROAD PITTSBURGH, PA 15202 | AFLAC | $5 | — | $5 | 0.13% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $3 | — | $3 | 0.08% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $2 | — | $2 | 0.05% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $1 | — | $1 | 0.03% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UPMC HEALTH BENEFITS | $15 | — | $15 | — |
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 |
|---|---|---|---|
| Health (medical)(3 contracts) | UPMC HEALTH OPTIONS | 127 | $762K |
| Dental(3 contracts) | UPMC HEALTH BENEFITS | 179 | $56K |
| Vision(3 contracts) | UPMC HEALTH BENEFITS | 179 | $56K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 110 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.