| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 6.91% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE STE 300 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31K | — | $31K | 22.14% |
| SMITH BENEFITS CONSULTING GROUP3 | 174 BERRY FIELD COURT WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 8.59% |
| PATRICIA M PIVIROTTO3 | 821 ARBORDALE LANE WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 5.94% |
| THOMAS F MCGARRY3 | 630 MAIN STREET EDMONDS, WA 98020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.33% |
| RICHARD A KRASKI SR3 | 1506 FALLOWFIELD AVENUE PITTSBURGH, PA 15216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 3.08% |
| MARILYN GOLDFISCHER3 Filed as: MARILYN L GOLDFISCHER | 124 W SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.94% |
| VANESSA K KOSTIC3 | 153 PERRY HIGHWAY PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.59% |
| DAN MARCIN INSURANCE, INC.3 | 760 ALLEGHENY RIVER BLVD. SUITE 200 VERONA, PA 15047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.15% |
| PATTI AMATO3 | 312 EDGEWOOD DRIVE TURTLE CREEK, PA 15145 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.94% |
| DAIMIAN FOSTER3 | 153 PERRY HIGHWAY PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.87% |
| CHRISTOPHER A STROUD3 | 120 SMITHTOWN ROAD HACKETTSTOWN, NJ 07840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.84% |
| ZORN BENEFITS GROUP LLC3 | 60 US HWY 46 STE 4 FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $671 | — | $671 | 0.47% |
| LINDA S MERRITT3 | 24 GIANT OAK DRIVE BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $409 | — | $409 | 0.29% |
| JOHN WOOLISCROFT3 | 256 MABRICK AVENUE APT 2 PITTSBURGH, PA 15228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $382 | — | $382 | 0.27% |
| MARSHA S TALLEY3 | 5401 N VOGEL ROAD STE 410 EVANSVILLE, IN 47715 | CONTINENTAL AMERICAN INSURANCE COMPANY | $215 | — | $215 | 0.15% |
| ANA M DAIGLE3 | 2141 INDUSTRIAL PKWY SUITE 204 SILVER SPRING, MD 20904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $192 | — | $192 | 0.14% |
| TALISHA A OLIVER3 | 1404 N HILLS BLVD VAN BUREN, AR 72956 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173 | — | $173 | 0.12% |
| ROCIO C QUIROGA3 | 3617 BARCELONA AVENUE LAREDO, TX 78040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | — | $136 | 0.10% |
| JAMIE PITTNER3 | 96 BRIAN DRIVE BEAVER, PA 15009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | — | $118 | 0.08% |
| SUSAN MOSER3 | 11051 BROADWAY STE C CROWN POINT, IN 46307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | — | $92 | 0.06% |
| DAVID SCHENKEL JR3 | 3746 COLLEGE AVENUE ELLICOT CITY, MD 21043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.04% |
| ANASTASIA BARANOV3 | 2141 INDUSTRIAL PARKWAY SILVER SPRING, MD 20904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.02% |
| ELAINE A WRINKLE3 | 404 TICKSEED AVENUE SAVOY, IL 61874 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.02% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 2105 EASTLAND DRIVE SUITE 13 BLOOMINGTON, IL 61704 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
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 | 1,086 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,091 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,086 | $193K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,086 | $193K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HIGHMARK CASUALTY INSURANCE COMPANY | 414 | $440K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,086 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,086 | — |
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.