| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC | 225 NORTH SHORE DRIVE, SUITE 300 PITTSBURGH, PA 152125860 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $7K | $42K | 4.28% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $9K | $35K | 3.50% |
| BENETEK CORPORATION3 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 328199510 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $14K | $25K | 2.51% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC | 225 NORTH SHORE DRIVE, SUITE 300 PITTSBURGH, PA 152125860 | HM LIFE INSURANCE COMPANY | $44K | — | $44K | 13.25% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC | 225 NORTH SHORE DRIVE, SUITE 300 PITTSBURGH, PA 152125860 | HM LIFE INSURANCE COMPANY | $38K | — | $38K | 13.25% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC | 225 NORTH SHORE DRIVE, SUITE 300 PITTSBURGH, PA 152125860 | VISION BENEFITS OF AMERICA | $7K | — | $7K | 10.00% |
| S TUCKFELT LLC3 Filed as: S TUCKFELT, LLC | 616 S MILLVALE AVENUE PITTSBURGH, PA 15224 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $103 | — | $103 | 2.90% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC | 225 NORTH SHORE DRIVE, SUITE 300 PITTSBURGH, PA 152125860 | METROPOLITAN LIFE INSURANCE COMPANY | $5 | $38 | $43 | 14.58% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $15 | $3 | $18 | 6.10% |
| DESSO FORMAN3 | 28059 US HIGHWAY 19 N, STE 201 CLEARWATER, FL 33761 | METROPOLITAN LIFE INSURANCE COMPANY | $10 | — | $10 | 3.39% |
| DESSO FORMAN3 | 28059 US HIGHWAY 19 N, STE 201 CLEARWATER, FL 337612620 | METROPOLITAN LIFE INSURANCE COMPANY | $3 | — | $3 | — |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC | 225 NORTH SHORE DRIVE, SUITE 300 PITTSBURGH, PA 152125860 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | — | $2 | — |
| DESSO FORMAN3 | 28059 US HIGHWAY 19 N, STE 201 CLEARWATER, FL 337612620 | METROPOLITAN LIFE INSURANCE COMPANY | $78 | — | $78 | — |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC | 225 NORTH SHORE DRIVE, SUITE 300 PITTSBURGH, PA 152125860 | METROPOLITAN LIFE INSURANCE COMPANY | $42 | — | $42 | — |
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 | 757 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 388 | $622K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,969 | $989K |
| Vision | VISION BENEFITS OF AMERICA | 685 | $65K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,969 | $992K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,969 | $989K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,969 | $989K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HM LIFE INSURANCE COMPANY | 388 | $622K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,969 | $989K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,969 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.