| 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 | $37K | — | $37K | 2.01% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD, STE 200 HAUPPAUGE, NY 11788 | UPMC HEALTH OPTIONS | — | — | $0 | 0.00% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 N SHORE DR. STE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $30K | — | $30K | 1.66% |
| 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 | 4.67% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD, STE 200 HAUPPAUGE, NY 11788 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 4.58% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD, STE 200 HAUPPAUGE, NY 11788 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 4.55% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DR, STE 300 PITTSBURGH, PA 15212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $617 | — | $617 | 1.11% |
| MARTHINSEN & SALVITTI INSURANCE GRO3 | 140 PARK AVE STE 1 WASHINGTON, PA 15301 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $450 | — | $450 | 0.81% |
| HUNTINGTON INSURANCE INC4 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $273 | — | $273 | 0.49% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DR, STE 300 PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 16.45% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DR, STE 300 PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.53% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DR, STE 300 PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 N SHORE DR. STE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $67 | — | $67 | 1.64% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UPMC HEALTH OPTIONS | 542 | $3.7M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 362 | $152K |
| Vision | VISION BENEFITS OF AMERICA | 329 | $26K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 437 | $248K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 164 | $55K |
| Long-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 437 | $188K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 437 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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.