| 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 | $28K | — | $28K | 8.26% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE SUITE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 3.82% |
| PATRICIA M PIVIROTTO3 | 821 ARBORDALE LANE WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 2.17% |
| VANESSA K KOSTIC3 | 153 PERRY HIGHWAY PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 1.92% |
| BERTHA SUSAN REYNOLDS3 Filed as: BERTHA S REYNOLDS | 8979 EASTWOOD ROAD PITTSBURGH, PA 15235 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.80% |
| RICHARD A KRASKI SR3 | 1506 FALLOWFIELD AVENUE PITTSBURGH, PA 15216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.76% |
| RAINA TOKAR3 | 153 PERRY HIGHWAY PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.37% |
| DAN MARCIN INSURANCE, INC.3 | 760 ALLEGHENY RIVER BLVD. SUITE 200 VERONA, PA 15047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.31% |
| MARILYN GOLDFISCHER3 Filed as: MARILYN L GOLDFISCHER | 124 W SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $976 | — | $976 | 0.29% |
| THOMAS F MCGARRY3 | 409 TRAILSIDE DRIVE SEWICKLEY, PA 15143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $974 | — | $974 | 0.29% |
| STACY PATRICK3 | 19 PHYLLIS DRIVE IMPERIAL, PA 15126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $952 | — | $952 | 0.28% |
| PATTI AMATO3 | 312 EDGEWOOD DRIVE TURTLE CREEK, PA 15145 | CONTINENTAL AMERICAN INSURANCE COMPANY | $729 | — | $729 | 0.22% |
| STACY PATRICK3 | 19 PHYLLIS DRIVE IMPERIAL, PA 15126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $677 | — | $677 | 0.20% |
| DAIMIAN FOSTER3 | 153 PERRY HIGHWAY PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $592 | — | $592 | 0.18% |
| JANET RUPERTO3 | 179 WASHINGTON WAY PITTSBURGH, PA 15237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $397 | — | $397 | 0.12% |
| ALYNN G CERVONE3 | 14220 CRESCENT LANE MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $363 | — | $363 | 0.11% |
| CHRISTOPHER A STROUD3 | 120 SMITHTOWN ROAD HACKETTSTOWN, NJ 07840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $356 | — | $356 | 0.11% |
| MICHAEL F MANNA3 | 153 WYNNE STREET PITTSBURGH, PA 15209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $272 | — | $272 | 0.08% |
| ZORN BENEFITS GROUP LLC3 | 60 US HWY 46 STE 4 FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | — | $174 | 0.05% |
| GARETT J KELLER3 | 422 FREDRICA STREET OWENSBORO, KY 42301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | 0.04% |
| SUSAN MOSER3 | 11051 BROADWAY STE C CROWN POINT, IN 46307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 0.03% |
| TALISHA A OLIVER3 | 1404 N HILLS BLVD VAN BUREN, AR 72956 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.01% |
| LINDA S MERRITT3 | 24 GIANT OAK DRIVE BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.01% |
| ROCIO C QUIROGA3 | 3617 BARCELONA AVENUE LAREDO, TX 78040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.01% |
| JOHN WOOLISCROFT3 | 256 MABRICK AVENUE APT 2 PITTSBURGH, PA 15228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| MARSHA S TALLEY3 | 5401 N VOGEL ROAD STE 410 EVANSVILLE, IN 47715 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| JAMIE PITTNER3 | 96 BRIAN DRIVE BEAVER, PA 15009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.00% |
| LENIN RODRIGUEZ3 | 60 US HWY 46 SUITE 4 FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.00% |
| NICHOLAS E VIGIL3 Filed as: NICHOLAS SHIPE | 220 INSURANCE DRIVE FORT WAYNE, IN 46825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| ANA M DAIGLE3 | 3310 N DAVIDSON STREET APT 219 CHARLOTTE, NC 28205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| ELAINE A WRINKLE3 | 404 TICKSEED AVENUE SAVOY, IL 61874 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| DAVID SCHENKEL JR3 | 3746 COLLEGE AVENUE ELLICOT CITY, MD 21043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| ANASTASIA BARANOV3 | 2141 INDUSTRIAL PARKWAY SILVER SPRING, MD 20904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1355 LYNNFIELD STREET MEMPHIS, TN 33819 | 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 | $1K | $1K | 0.75% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $332 | $332 | 0.75% |
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 | 553 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 553 | $220K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 553 | $175K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HM LIFE INSURANCE COMPANY | 406 | $457K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 553 | $556K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.