| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $974 | $974 | 0.58% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 5.35% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE SUITE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.35% |
| VANESSA K KOSTIC3 | 153 PERRY HIGHWAY PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.22% |
| BERTHA SUSAN REYNOLDS3 Filed as: BERTHA S REYNOLDS | 8979 EASTWOOD ROAD PITTSBURGH, PA 15235 | CONTINENTAL AMERICAN INSURANCE COMPANY | $884 | — | $884 | 0.73% |
| RICHARD A KRASKI SR3 | 1506 FALLOWFIELD AVENUE PITTSBURGH, PA 15216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $717 | — | $717 | 0.59% |
| PATRICIA M PIVIROTTO3 | 821 ARBORDALE LANE WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $442 | — | $442 | 0.37% |
| MARSHA S TALLEY3 | 5401 N VOGEL ROAD STE 410 EVANSVILLE, IN 47715 | CONTINENTAL AMERICAN INSURANCE COMPANY | $352 | — | $352 | 0.29% |
| MARILYN GOLDFISCHER3 Filed as: MARILYN L GOLDFISCHER | 124 W SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $292 | — | $292 | 0.24% |
| DAN MARCIN INSURANCE, INC.3 | 760 ALLEGHENY RIVER BLVD STE 200 VERONA, PA 15047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $229 | — | $229 | 0.19% |
| DAIMIAN FOSTER3 | 153 PERRY HIGHWAY PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.10% |
| CHRISTOPHER A STROUD3 | 120 SMITHTOWN ROAD HACKETTSTOWN, NJ 07840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $115 | — | $115 | 0.10% |
| KHS BENEFITS LLC3 Filed as: KHS BENEFITS | 19 PHYLLIS DRIVE IMPERIAL, PA 15126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | — | $88 | 0.07% |
| ZORN BENEFITS GROUP LLC3 | 60 US HWY 46 STE 4 FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.05% |
| RAINA TOKAR3 | 153 PERRY HIGHWAY PITTSBURGH, PA 15229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.03% |
| LINDA S MERRITT3 | 24 GIANT OAK DRIVE BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.02% |
| JANET RUPERTO3 | 119 WASHINGTON WAY PITTSBURGH, PA 15237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.02% |
| PATTI AMATO3 | 312 EDGEWOOD DRIVE TURTLE CREEK, PA 15145 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.02% |
| KHS BENEFITS LLC3 Filed as: KHS BENEFITS | 19 PHYLLIS DRIVE IMPERIAL, PA 15126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| ALYNN G CERVONE3 | 14220 CRESCENT LANE MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| JAMIE PITTNER3 | 96 BRIAN DRIVE BEAVER, PA 15009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| SUSAN MOSER3 | 11051 BROADWAY STE C CROWN POINT, IN 46307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| MICHAEL F MANNA3 | 153 WYNNE STREET PITTSBURGH, PA 15209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| GARETT J KELLER3 | 422 FREDRICA STREET OWENSBORO, KY 42301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| TALISHA A OLIVER3 | 1404 N HILLS BLVD VAN BUREN, AR 72956 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| JOHN WOOLISCROFT3 | 256 MABRICK AVENUE APT 2 PITTSBURGH, PA 15228 | 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 | — | $195 | $195 | 0.60% |
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 | 498 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 880 | $634K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 498 | $200K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 429 | $121K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 498 | $167K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 880 | $634K |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 880 | $954K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 880 | — |
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."
No prospect flags tripped on this filing.