| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 1010 OHIO RIVER BLVD PITTSBURGH, PA 15202 | HIGHMARK CASUALTY INSURANCE COMPANY | $22K | — | $22K | 10.00% |
| ASSUREDPARTNERS3 Filed as: GUNN MOWERY LLC | 650 NORTH 12TH STREET LEMOYNE, PA 17043 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 11.39% |
| ROBERT CROOK3 | 1400 RIGGLES GAP ROAD ALTOONA, PA 16601 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 15.00% |
| ROBERT CROOK3 Filed as: ROBERT ELWOOD CROOK | 1400 RIGGLES GAP ROAD ALTOONA, PA 16601 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 13.31% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | 4 EVER LIFE INSURANCE COMPANY | $0 | $1K | $1K | 12.88% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | PO BOX 900 CAMP HILL, PA 17001 | 4 EVER LIFE INSURANCE COMPANY | $932 | — | $932 | 8.75% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $739 | $739 | 13.49% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | P O BOX 900 CAMP HILL, PA 170010900 | MADISON NATIONAL LIFE INSURANCE COMPANY | $548 | — | $548 | 10.01% |
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 | 299 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 9 | $13K |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 548 | $90K |
| Vision | HIGHMARK | 467 | $27K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 306 | $57K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 193 | $63K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 193 | $63K |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE COMPANY | 252 | $215K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 306 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.