| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE STE 300 PITTSBURGH, PA 15212 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $25 | $39K | 15.72% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. STE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $11 | $10K | 4.14% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE STE 300 PITTSBURGH, PA 15212 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $25 | $12K | 22.65% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. STE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $11 | $2K | 4.41% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE STE 300 PITTSBURGH, PA 15212 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $25 | $5K | 20.19% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. STE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $11 | $1K | 4.20% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE STE 300 PITTSBURGH, PA 15212 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $25 | $4K | 21.20% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. STE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $808 | $11 | $819 | 4.16% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE STE 300 PITTSBURGH, PA 15212 | METLIFE LEGAL PLANS | $775 | $25 | $800 | 10.00% |
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 | 391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 916 | $134K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $247K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $247K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 916 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.