| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT AND ASSOCIATES, INC. | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 9.95% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | UNITED CONCORDIA INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT AND ASSOCIATES, INC. | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UNITED CONCORDIA INSURANCE COMPANY | -$12 | — | -$12 | -0.01% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 538 | $1.7M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 759 | $129K |
| Vision | VISION BENEFITS OF AMERICA | 202 | $25K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 251 | $153K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 251 | $153K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 251 | $153K |
| Prescription drug | HIGHMARK, INC. | 538 | $340K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 251 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 759 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.