| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE DJB GROUP3 | 262 CHESTNUT STREET SUITE 200 MEADVILLE, PA 16335 | UPMC HEALTH OPTIONS | $4K | — | $4K | 1.76% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $2K | — | $2K | 1.00% |
| THE DJB GROUP3 Filed as: DJB GROUP | 262 CHESTNUT STREET SUITE 200 MEADVILLE, PA 16335 | UPMC HEALTH OPTIONS | $3K | — | $3K | 1.70% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $2K | — | $2K | 1.04% |
| THE DJB GROUP3 | 262 CHESTNUT STREET SUITE 200 MEADVILLE, PA 16335 | UPMC HEALTH OPTIONS | $2K | — | $2K | 1.69% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $1K | — | $1K | 1.03% |
| THE DJB GROUP3 Filed as: THE DJB GROUP, INC. | 262 CHESTNUT STREET MEADVILLE, PA 16335 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 6.45% |
| THE DJB GROUP3 Filed as: DJB GROUP | 231 CHESTNUT STREET SUITE 410 MEADVILLE, PA 16335 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.94% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $214 | — | $214 | 0.86% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 14.87% |
| THE DJB GROUP3 Filed as: THE DJB GROUP, INC. | 231 CHESTNUT STREET SUITE 410 MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $651 | — | $651 | 4.74% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $624 | — | $624 | 4.54% |
| ALYNN G CERVONE3 Filed as: ALYNN G. CERVONE | 14220 CRESCENT LANE MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139 | — | $139 | 1.01% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE SUITE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.11% |
| THE DJB GROUP3 Filed as: THE DJB GROUP, INC. | 262 CHESTNUT STREET SUITE 200 MEADVILLE, PA 16335 | VISION BENEFITS OF AMERICA | $303 | — | $303 | 3.98% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $231 | — | $231 | 3.04% |
| MANUFACTURER & BUSINESS ASSOCIATION3 Filed as: MANUFACTURER & BUSINESS ASSN. INS. | 2171 WEST 38TH STREET ERIE, PA 16508 | VISION BENEFITS OF AMERICA | $151 | — | $151 | 1.99% |
| THE DJB GROUP3 Filed as: DJB GROUP | 231 CHESTNUT STREET SUITE 410 MEADVILLE, PA 16335 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $545 | — | $545 | 8.70% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $81 | — | $81 | 1.29% |
| THE DJB GROUP3 Filed as: THE DJB GROUP, INC. | 262 CHESTNUT STREET SUITE 200 MEADVILLE, PA 16335 | VISION BENEFITS OF AMERICA | $199 | — | $199 | 4.78% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $154 | — | $154 | 3.70% |
| THE DJB GROUP3 Filed as: DJB GROUP | 231 CHESTNUT STREET SUITE 410 MEADVILLE, PA 16335 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $110 | — | $110 | 8.80% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15 | — | $15 | 1.20% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $36 | — | $36 | 4.47% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $0 | — | $0 | — |
| THE DJB GROUP3 | 262 CHESTNUT STREET SUITE 200 MEADVILLE, PA 16335 | UPMC HEALTH OPTIONS | $0 | — | $0 | — |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $0 | — | $0 | — |
| THE DJB GROUP3 | 262 CHESTNUT STREET SUITE 200 MEADVILLE, PA 16335 | UPMC HEALTH OPTIONS | $0 | — | $0 | — |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $0 | — | $0 | — |
| THE DJB GROUP3 | 262 CHESTNUT STREET SUITE 200 MEADVILLE, PA 16335 | UPMC HEALTH OPTIONS | $0 | — | $0 | — |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $0 | — | $0 | — |
| THE DJB GROUP3 | 262 CHESTNUT STREET SUITE 200 MEADVILLE, PA 16335 | UPMC HEALTH OPTIONS | $0 | — | $0 | — |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $0 | — | $0 | — |
| THE DJB GROUP3 | 262 CHESTNUT STREET SUITE 200 MEADVILLE, PA 16335 | UPMC HEALTH OPTIONS | $0 | — | $0 | — |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $0 | — | $0 | — |
| THE DJB GROUP3 | 262 CHESTNUT STREET SUITE 200 MEADVILLE, PA 16335 | UPMC HEALTH OPTIONS | $0 | — | $0 | — |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $0 | — | $0 | — |
| THE DJB GROUP3 | 262 CHESTNUT STREET SUITE 200 MEADVILLE, PA 16335 | UPMC HEALTH OPTIONS | $0 | — | $0 | — |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $0 | — | $0 | — |
| THE DJB GROUP3 | 262 CHESTNUT STREET SUITE 200 MEADVILLE, PA 16335 | UPMC HEALTH OPTIONS | $0 | — | $0 | — |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts) | UPMC HEALTH OPTIONS | 62 | $586K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 75 | $32K |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 124 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $6K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 57 | $25K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 110 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
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.