| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT AND ASSOCIATES INC | UNKNOWN MIDWEST CITY, OK 73110 | BCBS OKLAHOMA | $27K | $0 | $27K | 3.65% |
| DIGITAL INSURANCE LLC3 | UNKNOWN MIDWEST CITY, OK 73110 | BCBS OKLAHOMA | $10K | $0 | $10K | 1.35% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT AND ASSOCIATES INC | 225 NORTH SHORE DRIVE, SUITE 300 PITTSBURGH, PA 15212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $14K | $31K | 12.45% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD FLOOR 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 3.66% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.57% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.30% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT AND ASSOCIATES INC | 225 NORTH SHORE DRIVE PITTSBURGH, PA 15212 | AETNA | $20K | $0 | $20K | 9.52% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BCBS OKLAHOMA | 108 | $1.2M |
| Dental(3 contracts, 3 carriers) | HMSA | 169 | $751K |
| Vision(3 contracts, 3 carriers) | HMSA | 169 | $751K |
| Life insurance(2 contracts, 2 carriers) | HMSA | 169 | $542K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $251K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $251K |
| Prescription drug(3 contracts, 3 carriers) | BCBS OKLAHOMA | 108 | $1.2M |
| Other(2 contracts, 2 carriers) | HMSA | 169 | $542K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.