| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE STE 300 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43K | — | $43K | 16.36% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE SUITE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 6.83% |
| PATRICIA M PIVIROTTO3 | 821 ARBORDALE LANE WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 4.16% |
| VANESSA K KOSTIC3 | 153 PERRY HIGHWAY PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 2.50% |
| RICHARD A KRASKI SR3 | 1506 FALLOWFIELD AVENUE PITTSBURGH, PA 15216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 1.85% |
| MARILYN GOLDFISCHER3 Filed as: MARILYN L GOLDFISCHER | 124 W SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 1.77% |
| THOMAS F MCGARRY3 | 409 TRAILSIDE DRIVE SEWICKLEY, PA 15143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 1.75% |
| DAN MARCIN INSURANCE, INC.3 | 760 ALLEGHENY RIVER BLVD. SUITE 200 VERONA, PA 15047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 1.57% |
| DAIMIAN FOSTER3 | 153 PERRY HIGHWAY PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.68% |
| CHRISTOPHER A STROUD3 | 120 SMITHTOWN ROAD HACKETTSTOWN, NJ 07840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.52% |
| PATTI AMATO3 | 312 EDGEWOOD DRIVE TURTLE CREEK, PA 15145 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.44% |
| BERTHA SUSAN REYNOLDS3 Filed as: BERTHA S REYNOLDS | 810 RIVER AVENUE SUITE 230 PITTSBURGH, PA 15235 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.41% |
| ZORN BENEFITS GROUP LLC3 | 60 US HWY 46 STE 4 FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $733 | — | $733 | 0.28% |
| STACY PATRICK3 | 19 PHYLLIS DRIVE IMPERIAL, PA 15126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $621 | — | $621 | 0.24% |
| RAINA TOKAR3 | 153 PERRY HIGHWAY PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $577 | — | $577 | 0.22% |
| STACY PATRICK3 | 19 PHYLLIS DRIVE IMPERIAL, PA 15126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $360 | — | $360 | 0.14% |
| LINDA S MERRITT3 | 24 GIANT OAK DRIVE BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $359 | — | $359 | 0.14% |
| ANA M DAIGLE3 | 3310 N DAVIDSON STREET APT 219 CHARLOTTE, NC 28205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $276 | — | $276 | 0.11% |
| JANET RUPERTO3 | 179 WASHINGTON WAY PITTSBURGH, PA 15237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $273 | — | $273 | 0.10% |
| MARSHA S TALLEY3 | 5401 N VOGEL ROAD STE 410 EVANSVILLE, IN 47715 | CONTINENTAL AMERICAN INSURANCE COMPANY | $240 | — | $240 | 0.09% |
| TALISHA A OLIVER3 | 1404 N HILLS BLVD VAN BUREN, AR 72956 | CONTINENTAL AMERICAN INSURANCE COMPANY | $188 | — | $188 | 0.07% |
| JOHN WOOLISCROFT3 | 256 MABRICK AVENUE APT 2 PITTSBURGH, PA 15228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $175 | — | $175 | 0.07% |
| SUSAN MOSER3 | 11051 BROADWAY STE C CROWN POINT, IN 46307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173 | — | $173 | 0.07% |
| ALYNN G CERVONE3 | 14220 CRESCENT LANE MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $166 | — | $166 | 0.06% |
| GARETT J KELLER3 | 422 FREDRICA STREET OWENSBORO, KY 42301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | — | $113 | 0.04% |
| JAMIE PITTNER3 | 96 BRIAN DRIVE BEAVER, PA 15009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | — | $105 | 0.04% |
| DAVID SCHENKEL JR3 | 3746 COLLEGE AVENUE ELLICOT CITY, MD 21043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.03% |
| ROCIO C QUIROGA3 | 3617 BARCELONA AVENUE LAREDO, TX 78040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.03% |
| MICHAEL F MANNA3 | 153 WYNNE STREET PITTSBURGH, PA 15209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.02% |
| ELAINE A WRINKLE3 | 404 TICKSEED AVENUE SAVOY, IL 61874 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.02% |
| ANASTASIA BARANOV3 | 2141 INDUSTRIAL PARKWAY SILVER SPRING, MD 20904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.02% |
| KAYLIE A LING3 Filed as: KAYLIE A SMITH | 174 BERRY FIELD COURT WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1355 LYNNFIELD STREET MEMPHIS, TN 33819 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| NICHOLAS E VIGIL3 Filed as: NICHOLAS SHIPE | 220 INSURANCE DRIVE FORT WAYNE, IN 46825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 2.00% |
| MARILYN GOLDFISCHER3 | 124 W SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | AFLAC | $3K | $147 | $3K | 4.72% |
| CHRISTOPHER STROUD3 | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $1K | $29 | $1K | 2.01% |
| RICHARD A KRASKI SR3 | 1506 FALLOWFIELD AVENUE PITTSBURGH, PA 15216 | AFLAC | $964 | $43 | $1K | 1.73% |
| ZORN BENEFITS GROUP LLC3 | 179 S GLEN ROAD KINNELON, NJ 07405 | AFLAC | $872 | — | $872 | 1.50% |
| THOMAS F MCGARRY3 | 407 TRAILSIDE DRIVE SEWICKLEY, PA 15143 | AFLAC | $461 | $14 | $475 | 0.82% |
| KAYLIE A LING3 Filed as: KAYLIE A SMITH | 810 RIVER AVENUE SUITE 230 PITTSBURGH, PA 15212 | AFLAC | $409 | $14 | $423 | 0.73% |
| MICHAEL P ZORN3 | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $154 | $29 | $183 | 0.31% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $125 | — | $125 | 0.21% |
| VANESSA K KOSTIC3 | 12 CASTLE VIEW DRIVE MCKEES ROCKS, PA 15136 | AFLAC | $78 | $25 | $103 | 0.18% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | AFLAC | $102 | — | $102 | 0.18% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $70 | — | $70 | 0.12% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $56 | — | $56 | 0.10% |
| BARBARA A. LEONE INC3 Filed as: BARBARA A LEONE INC | 14 SHEPPARD ROAD SAGAMORE BEACH, MA 02562 | AFLAC | $51 | — | $51 | 0.09% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVENUE JERSEY CITY, NJ 07307 | AFLAC | $36 | — | $36 | 0.06% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $26 | — | $26 | 0.04% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $26 | — | $26 | 0.04% |
| TARA MICHELLE D AGOSTINO3 | 271 US HIGHWAY 46 SUITE D207 FAIRFIELD, NJ 07004 | AFLAC | $20 | — | $20 | 0.03% |
| SHAW ASSOCIATES INC3 | 222 FORBES ROAD SUITE 100 BRAINTREE, MA 02184 | AFLAC | $8 | — | $8 | 0.01% |
| MICHAEL P ZORN3 | 179 S GLEN ROAD KINNELON, NJ 07405 | AFLAC | $7 | — | $7 | 0.01% |
| DANIEL P CLARK3 | 3 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $3 | — | $3 | 0.01% |
| MAUREEN E SNOW3 | 68 WINGATE ROAD HOLLISTON, MA 01746 | AFLAC | $2 | — | $2 | 0.00% |
| NATHAN A HUMMER3 | 5 WEBBER ROAD WESTFORD, MA 01886 | AFLAC | $1 | — | $1 | 0.00% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $857 | $857 | 2.00% |
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 | 549 | 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) | 555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 549 | $233K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 549 | $190K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HIGHMARK CASUALTY INSURANCE COMPANY | 418 | $561K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 549 | $552K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 549 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.