| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | HM LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | HIGHMARK | $2K | — | $2K | 2.91% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.04% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | HIGHMARK | $484 | — | $484 | 2.91% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | HIGHMARK | $231 | — | $231 | 1.82% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1305 BRIDGEVILLE, PA 15017 | USABLE LIFE | $328 | — | $328 | 13.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: HIGHMARK BROKER SERVICES, INC | 19 NORTH MAIN STREET WILKES BARRE, PA 18706 | USABLE LIFE | $126 | — | $126 | 4.99% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE GROUP, LLC | 80 EMERSON LANE SUITE 1305 BRIDGEVILLE, PA 15017 | USABLE LIFE | $138 | — | $138 | 12.97% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: HIGHMARK BROKER SERVICES, INC. | 19 NORTH MAIN STREET WILKES BARRE, PA 18706 | USABLE LIFE | $53 | — | $53 | 4.98% |
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 | 168 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 207 | $75K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 168 | $76K |
| Vision | HIGHMARK | 181 | $13K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 168 | $73K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 168 | $74K |
| Prescription drug | HIGHMARK | 207 | $17K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 166 | $166K |
| Other | USABLE LIFE | 56 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.