| 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 | $9K | — | $9K | 2.50% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES WARD | 4500 FT JACKSON BLVD. STE 350 COLUMBIA, SC 29209 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.99% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 210 6TH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.96% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. HAUPPAUGE, NY 11788 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 4.59% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.81% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES WARD | 4500 FT JACKSON BLVD. STE 350 COLUMBIA, SC 29209 | TRUSTMARK INSURANCE COMPANY | $41K | — | $41K | 64.93% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 2730 SIDNEY ST. STE 525 PITTSBURGH, PA 15203 | TRUSTMARK INSURANCE COMPANY | $22K | — | $22K | 34.96% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES WARD | 4500 FT JACKSON BLVD STE 350 COLUMBIA, SC 29209 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 19.50% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 2730 SIDNEY ST STE 525 PITTSBURGH, PA 15203 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 6.53% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE STE 300 PITTSBURGH, PA 15212 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 3.97% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES WARD | 4500 FT JACKSON BLVD. STE 350 COLUMBIA, SC 29209 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 17.88% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 2730 SIDNEY ST STE 525 PITTSBURGH, PA 15203 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 5.99% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 3.63% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES WARD | 4500 FT JACKSON BLVD. STE 350 COLUMBIA, SC 29209 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 19.51% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 2730 SIDNEY ST STE 525 PITTSBURGH, PA 15203 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 6.56% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 3.94% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | HIGHMARK INC. | $331 | — | $331 | 1.76% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15222 | HIGHMARK INC. | $235 | — | $235 | 1.25% |
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 | 253 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HIGHMARK INC. | 298 | $19K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 253 | $177K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 253 | $114K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 253 | $114K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 214 | $356K |
| Other(4 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 253 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.