| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | HIGHMARK INC. | $718 | — | $718 | 0.01% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD. SUITE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $11 | $18K | 4.16% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE STE 300 PITTSBURGH, PA 15212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25 | $25 | 0.01% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE STE 300 PITTSBURGH, PA 15212 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $25 | $6K | 16.54% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD. SUITE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $11 | $1K | 4.15% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE STE 300 PITTSBURGH, PA 15212 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $25 | $3K | 16.62% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD. SUITE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $698 | $11 | $709 | 4.18% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST. KANSAS CITY, MO 64112 | STARR INDEMNITY & LIABILITY COMPANY | $508 | — | $508 | 19.98% |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 782 | $5.4M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 778 | $0 |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 717 | $34K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 810 | $433K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 810 | $433K |
| Prescription drug | HIGHMARK INC. | 272 | $391K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 810 | $487K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 810 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.