| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 N SHORE DR. STE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $42K | — | $42K | 1.71% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 N SHORE DR. STE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $29K | — | $29K | 2.91% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 N SHORE DR. STE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $13K | — | $13K | 1.64% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 N SHORE DR. STE 300 PITTSBURGH, PA 15212 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 4.41% |
| MARTHINSEN & SALVITTI INSURANCE GRO3 | 140 PARK AVE STE 1 WASHINGTON, PA 15301 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.55% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $471 | — | $471 | 0.63% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 N SHORE DR. STE 300 PITTSBURGH, PA 15212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $278 | — | $278 | 0.37% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 N SHORE DR. STE 300 PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.87% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 N SHORE DR. STE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $323 | — | $323 | 1.44% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 N SHORE DR. STE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $440 | — | $440 | 2.57% |
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 | 468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | UPMC HEALTH OPTIONS | 721 | $4.2M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 762 | $210K |
| Vision | VISION BENEFITS OF AMERICA | 501 | $36K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 566 | $256K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 221 | $75K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 566 | $209K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 566 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 762 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.