| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRISSORA & ASSOCIATES LLC3 Filed as: FRISSORA & ASSOCIATES, LLC | 103 BRADFORD ROAD STE 105 WEXFORD, PA 15090 | SYMETRA LIFE INSURANCE COMPANY | — | $10K | $10K | 3.83% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE STE 300 PITTSBURGH, PA 15212 | EQUITABLE | $23K | — | $23K | 10.75% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | EQUITABLE | — | $9K | $9K | 4.38% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | EQUITABLE | $2K | $588 | $3K | 1.19% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE STE 300 PITTSBURGH, PA 15212 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $738 | $4K | 12.01% |
| SEUBERT & ASSOCIATES, INC.4 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE STE 300 PITTSBURGH, PA 15212 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $384 | — | $384 | 9.05% |
| AL MARKETING GROUP INC4 Filed as: AL MARKETING GROUP, INC. | 1334 E CHANDLER BLVD. STE D-73 PHOENIX, AZ 85048 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | — | $23 | 0.54% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | EQUITABLE | 175 | $248K |
| Vision | EQUITABLE | 101 | $211K |
| Life insurance | EQUITABLE | 101 | $211K |
| Short-term disability | EQUITABLE | 101 | $211K |
| Long-term disability | EQUITABLE | 101 | $211K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 72 | $271K |
| Other(2 contracts, 2 carriers) | EQUITABLE | 101 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.