| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRISSORA & ASSOCIATES LLC3 Filed as: FRISSORA & ASSOCIATES, LLC | 103 BRADFORD RD WEXFORD, PA 15090 | SYMETRA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 4.01% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 N SHORE DR SUITE 300 PITTSBURGH, PA 15212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $10K | $19K | 25.84% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 N SHORE DR SUITE 300 PITTSBURGH, PA 15202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $8K | $15K | 24.67% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 N SHORE DR SUITE 300 PITTSBURGH, PA 15212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $6K | $10K | 19.15% |
| FRISSORA & ASSOCIATES LLC3 Filed as: FRISSORA & ASSOCIATES, LLC | 103 BRADFORD RD WEXFORD, PA 15090 | VISION BENEFITS OF AMERICA | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRISSORA & ASSOCIATES, LLC EIN 81-1579449 NONE | Contract Administrator Service code 13 | 103 BRADFORD RD WEXFORD, PA 15090 | $24K |
| MERITAIN HEALTH EIN 16-1264154 NONE | Claims processing Service code 12 | 300 CORPORATE PARKWAY AMHERST, PA 14226 | $22K |
| AMCA EIN 27-4500606 NONE | Claims processing Service code 12 | 101 BRADFORD RD WEXFORD, PA 15090 | $12K |
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 | 170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 268 | $27K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 341 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $62K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 176 | $394K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.