| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC | 225 NORTH SHORE DR SUITE 300 PITTSBURGH, PA 15212 | HIGHMARK, INC. | $38K | — | $38K | 2.59% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVE 30TH FLOOR PITTSBURGH, PA 15222 | HIGHMARK, INC. | -$3K | — | -$3K | -0.20% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT AND ASSOCIATES INC | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $12K | — | $12K | 10.60% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC | 225 N SHORE DR STE 300 PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.06% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC | 225 N SHORE DR STE 300 PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.58% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC | 225 N SHORE DR SUITE 300 PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.72% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $992 | — | $992 | 5.17% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 286 | $1.5M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 328 | $114K |
| Vision | VISION BENEFITS OF AMERICA | 130 | $19K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $37K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $85K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $59K |
| Prescription drug | HIGHMARK, INC. | 286 | $1.5M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.