| 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 | $25K | — | $25K | 4.41% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $7K | — | $7K | 2.79% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $2K | — | $2K | 2.54% |
| THE DJB GROUP3 Filed as: THE DJB GROUP LLC | 231 CHESTNUT STREET STE 410 MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 5.93% |
| ALYNN G CERVONE3 | 14220 CRESCENT LANE MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 4.45% |
| EMILY GIBSON3 | 751 SYLVANIA ROAD SLIPPERY ROCK, PA 16057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.46% |
| MEGHAN NICOLE BAUSCH3 | 21460 CHURCH STREET VENANGO, PA 16440 | CONTINENTAL AMERICAN INSURANCE COMPANY | $492 | — | $492 | 0.61% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE SUITE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $381 | — | $381 | 0.47% |
| THE DJB GROUP3 Filed as: THE DJB GROUP, LLC | 231 CHESTNUT ST STE 410 MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 7.52% |
| ALYNN G CERVONE3 | 14220 CRESCENT LN. MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 5.97% |
| EMILY GIBSON3 | 751 SYLVANIA ROAD SLIPPERY ROCK, PA 16057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.27% |
| MEGHAN NICOLE BAUSCH3 | 21460 CHURCH STREET VENANGO, PA 16440 | CONTINENTAL AMERICAN INSURANCE COMPANY | $764 | — | $764 | 0.94% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $583 | — | $583 | 0.72% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UPMC HEALTH BENEFITS | $5K | — | $5K | 9.37% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UPMC HEALTH BENEFITS | $611 | — | $611 | 9.12% |
| ALYNN G CERVONE3 | 14220 CRESCENT LANE MEADVILLE, PA 16335 | AFLAC | $163 | — | $163 | 4.37% |
| MICHAEL J KELLY3 | 314 OAKMONT DRIVE PITTSBURGH, PA 15229 | AFLAC | $41 | — | $41 | 1.10% |
| ROGERS BENEFIT GROUP INC3 Filed as: JANICE L ROGERS | 163 HUNTER DRIVE CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $38 | — | $38 | 1.02% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE SUITE 230 PITTSBURGH, PA 15212 | AFLAC | $21 | — | $21 | 0.56% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN ROAD PITTSBURGH, PA 15237 | AFLAC | $19 | — | $19 | 0.51% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $2 | — | $2 | 0.05% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $2 | — | $2 | 0.05% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 N SHORE DRIVE. STE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $146 | — | $146 | 5.08% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UPMC HEALTH BENEFITS | $18 | — | $18 | 7.96% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | UPMC HEALTH OPTIONS | 125 | $904K |
| Dental(3 contracts) | UPMC HEALTH BENEFITS | 188 | $63K |
| Vision(3 contracts) | UPMC HEALTH BENEFITS | 188 | $63K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 124 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.