| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 | 225 N SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 8.10% |
| THE DJB GROUP3 Filed as: THE DJB GROUP, INC. | 262 CHESTNUT STREET MEADVILLE, PA 16335 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | — | $0 | 0.00% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.35% |
| THE DJB GROUP3 Filed as: DJB GROUP | 231 CHESTNUT STREET SUITE 410 MEADVILLE, PA 16335 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$309 | — | -$309 | -1.02% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 22.94% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 9.25% |
| THE DJB GROUP3 Filed as: THE DJB GROUP, INC. | 231 CHESTNUT STREET SUITE 410 MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $471 | — | $471 | 2.38% |
| ALYNN G CERVONE3 Filed as: ALYNN G. CERVONE | 14220 CRESCENT LANE MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | — | $117 | 0.59% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE SUITE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.06% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 9.72% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $594 | — | $594 | 7.01% |
| MANUFACTURER & BUSINESS ASSOCIATION3 Filed as: MANUFACTURER & BUSINESS ASSN. INS. | 2171 WEST 38TH STREET ERIE, PA 16508 | VISION BENEFITS OF AMERICA | $168 | — | $168 | 1.98% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $251 | — | $251 | 5.55% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $236 | — | $236 | 9.41% |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 105 | $35K |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 138 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 151 | $15K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 75 | $30K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 151 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.