| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE, SUITE 300 PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 3.66% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE, SUITE 300 PITTSBURGH, PA 15212 | HIGHMARK, INC. | $8K | — | $8K | 2.79% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE, SUITE 300 PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.69% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC. | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 31.20% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE, SUITE 300 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 20.79% |
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 | 557 | 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) | 559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK, INC. | 844 | $302K |
| Vision | HIGHMARK, INC. | 844 | $302K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 557 | $481K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 557 | $397K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 557 | $397K |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE COMPANY | 304 | $460K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 557 | $397K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 844 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.