| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRISSORA & ASSOCIATES LLC3 | 103 BRADFORD ROAD STE 105 WEXFORD, PA 15090 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $18K | $24K | 4.02% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE PITTSBURGH, PA 15212 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $2K | $17K | 16.79% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. STE 200 HAUPPAUGE, NY 11788 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 4.96% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE STE 300 PITTSBURGH, PA 15212 | UNITED CONCORDIA INSURANCE COMPANY | — | $1K | $1K | 1.49% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE PITTSBURGH, PA 15212 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $2K | $15K | 16.67% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. STE 200 HAUPPAUGE, NY 11788 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 4.97% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE PITTSBURGH, PA 15212 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $804 | $6K | 17.15% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. STE 200 HAUPPAUGE, NY 11788 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 4.98% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $757 | $6K | 17.21% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. STE 200 HAUPPAUGE, NY 11788 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 4.98% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.11% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $659 | — | $659 | 2.05% |
| DEEANN GREENE-MARSZALEK3 | 409 N 20TH STREET WEIRTON, WV 26062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $565 | — | $565 | 1.75% |
| TAMMY A MORGART3 | 13347 DEAN DRIVE N HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $419 | $2 | $421 | 1.31% |
| BRYER INSURANCE SERVICES, INC.3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $350 | $4 | $354 | 1.10% |
| MOUNTAIN STATE EMPLOYEE BENEFITS3 | 103 6TH AVENUE ST ALBANS, WV 25177 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $210 | — | $210 | 0.65% |
| ARICK MARTIN3 | 427 S. MEADOWCROFT AVENUE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.29% |
| MOUNTAIN STATE EMPLOYEE BENEFITS3 | 103 6TH AVE ST ALBANS, WV 25177 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.21% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY SLATER | 466 CARNEGIE DR. PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.18% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.10% |
| LISA M BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.05% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOTT RD. JEANNETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $8 | $12 | 0.04% |
| WILLIAM E GOOD3 Filed as: WILLIAM GOOD | 545 TOM SAWYER ROAD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DR. WASHINGTON, PA 15301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $4 | $8 | 0.02% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE STE 300 PITTSBURGH, PA 15212 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $490 | $3K | 16.01% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. STE 200 HAUPPAUGE, NY 11788 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $981 | $981 | 4.58% |
| BRYER INSURANCE SERVICES, INC.3 Filed as: BRYER INSURANCE SERVICES INC | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $292 | — | $292 | 2.67% |
| TAMMY A MORGART3 | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $188 | — | $188 | 1.72% |
| DEEANN GREENE-MARSZALEK3 | 409 N 20TH ST. WEIRTON, WV 26062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $185 | — | $185 | 1.69% |
| AGORA BENEFITS LLC3 | 2593 WEXFORD BAYNE ROAD SEWICKLEY, PA 15143 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 1.57% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT AND ASSOCIATES INC | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $150 | — | $150 | 1.37% |
| MOUNTAIN STATE EMPLOYEE BENEFITS3 Filed as: MOUNTAIN STATE EMPLOYEE BENEFITS LL | 103 6TH AVENUE ST. ALBANS, WV 25177 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.27% |
| TIMOTHY J SLATER3 | 466 CARNEGIE DR. PITTSBURGH, PA 15243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD. DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| LISA M BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 2.56% |
| MOUNTAIN STATE EMPLOYEE BENEFITS3 | 103 6TH AVENUE ST. ALBANS, WV 25177 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 1.75% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 1.15% |
| MOUNTAIN STATE EMPLOYEE BENEFITS3 | 103 6TH AVENUE ST. ALBANS, WV 25177 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.88% |
| TAMMY A MORGART3 Filed as: TAMMY A. MORGART | 13347 DEAN DRIVE N. HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.54% |
| DEEANN GREENE-MARSZALEK3 | 409 N 20TH STREET WEIRTON, WV 26062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 2.61% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 2.20% |
| TAMMY A MORGART3 | 13347 DEAN DRIVE N HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 1.40% |
| BRYER INSURANCE SERVICES, INC.3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.40% |
| TIMOTHY J SLATER3 | 466 CARNEGIE DR. PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.40% |
| MOUNTAIN STATE EMPLOYEE BENEFITS3 Filed as: MOUNTAIN STATE EMPLOYEE BENEFIT LLC | 103 6TH AVENUE ST. ALBANS, WV 25177 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.40% |
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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 681 | $96K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 539 | $33K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 364 | $70K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 364 | $120K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 364 | $92K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 308 | $592K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 364 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.