| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLMENT BENEFIT CONCEPTS LLC3 Filed as: ENROLLMENT BENEFIT CONCEPTS | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 45069 | COMBINED INSURANCE COMPANY OF AMERICA | $66K | — | $66K | 25.57% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | COMBINED INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 10.96% |
| BENEFITS ALL INSURANCE, LLC3 Filed as: BENEFITS ALL INSURANCE LLC | 8040 HOSBROOK ROAD SUITE 100 CINCINNATI, OH 45236 | COMBINED INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 7.15% |
| ENROLLMENT BENEFIT CONCEPTS LLC3 Filed as: ENROLLMENT BENEFIT CONCEPTS | 7182 LIBERTY CENTRE DRIVE STE Q WEST CHESTER, OH 45069 | COMBINED INSURANCE | $38K | — | $38K | 32.67% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DR. STE 300 PITTSBURGH, PA 15212 | COMBINED INSURANCE | $16K | — | $16K | 14.00% |
| BENEFITS ALL INSURANCE, LLC3 Filed as: BENEFITS ALL INSURANCE LLC | 8040 HOSBROOK ROAD STE 100 CINCINNATI, OH 45236 | COMBINED INSURANCE | $6K | — | $6K | 4.74% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE STE 300 PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.81% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
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 | 1,703 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,705 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 482 | $2.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 360 | $153K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 360 | $153K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,703 | $126K |
| Short-term disability | COMBINED INSURANCE COMPANY OF AMERICA | 1,190 | $257K |
| Prescription drug | HIGHMARK, INC. | 237 | $533K |
| Other(4 contracts, 3 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 1,703 | $499K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,703 | — |
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.