| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 1010 OHIO RIVER BLVD PITTSBURGH, PA 15202 | UPMC HEALTH OPTIONS | $36K | — | $36K | 1.64% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 1010 OHIO RIVER BLVD PITTSBURGH, PA 15202 | UPMC HEALTH OPTIONS | $27K | — | $27K | 1.65% |
| 4 I BENEFITS GROUP LLC3 | 410 SETTLERS VILLAGE CIR CRANBERRY TWP, PA 16066 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 5.46% |
| MARTHINSEN & SALVITTI INSURANCE GRO3 Filed as: MARTHINSEN & SALVITTI INSURANCE | 140 PARK AVE STE 1 WASHINGTON, PA 15301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 13.86% |
| MARTHINSEN & SALVITTI INSURANCE GRO3 Filed as: MARTHINSEN & SALVITTI INSURANCE | 140 PARK AVE STE 1 WASHINGTON, PA 15301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.25% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 1010 OHIO RIVER BLVD PITTSBURGH, PA 15202 | UPMC HEALTH OPTIONS | $407 | — | $407 | 1.80% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 1010 OHIO RIVER BLVD PITTSBURGH, PA 15202 | UPMC HEALTH OPTIONS | $60 | — | $60 | 2.03% |
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 | 455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | UPMC HEALTH OPTIONS | 689 | $3.9M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 708 | $198K |
| Vision | VISION BENEFITS OF AMERICA | 485 | $34K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 586 | $206K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 586 | $201K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 586 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 708 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.