| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | HM LIFE INSURANCE COMPANY | $30K | — | $30K | 10.00% |
| ASSUREDPARTNERS3 Filed as: GUNN MOWERY LLC | 650 NORTH 12TH STREET LEMOYNE, PA 17043 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 10.41% |
| ROBERT CROOK3 | 1400 RIGGLES GAP ROAD ALTOONA, PA 16601 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 15.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 13.50% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | P O BOX 900 CAMP HILL, PA 170010900 | MADISON NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $499 | — | $499 | 6.91% |
| SUSAN C ALLISON3 | 200 S LOGAN BLVD. ALTOONA, PA 16602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 1.07% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 1.04% |
| JENNIFER ROBIN HRIVNAK3 Filed as: JENNIFER R HRIVNAK | 5 LOG CABIN COURT ALTOONA, PA 16602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.26% |
| JOHN E HRIVNAK3 | 3900 INDUSTRIAL PARK DRIVE ALTOONA, PA 16602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.26% |
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 | 287 | 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) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 458 | $80K |
| Vision | HIGHMARK | 365 | $21K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 287 | $62K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 193 | $97K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 193 | $97K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 213 | $301K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 287 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.