Welfare broker

SEUBERT & ASSOCIATES, INC.

Mailing address (most recent filing)

225 NORTH SHORE DRIVE

STE 300

PITTSBURGH, PA 15212

Carrier mix

Where SEUBERT & ASSOCIATES, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	19	$32.7M	43.2%
SYMETRA LIFE INSURANCE COMPANY	5	$3.3M	11.4%
UPMC HEALTH OPTIONS	5	$9.4M	11.4%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	4	$4.2M	9.1%
RELIASTAR LIFE INSURANCE COMPANY	3	$4.1M	6.8%
UNITED CONCORDIA INSURANCE COMPANY	2	$598K	4.5%
SUN LIFE ASSURANCE COMPANY OF CANADA	2	$320K	4.5%
HM LIFE INSURANCE COMPANY	2	$3.5M	4.5%
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$16K	2.3%
HARTFORD LIFE AND ACCIDENT	1	$118K	2.3%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
PA	51	$59.0M	1.1%	22.24x
WV	1	$1.0M	0.2%	5.03x
OR	1	$130K	0.1%	1.90x
OK	1	$1.5M	0.1%	2.24x
OH	1	$1.1M	0.0%	0.14x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of SEUBERT & ASSOCIATES, INC.'s plans by broker comp / premium ratio. Median 6.80% vs welfare-wide median 6.29% (n=55).

Prospect-flag exposure · vs market baseline

Share of SEUBERT & ASSOCIATES, INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

51-55 of 55 sponsors where SEUBERT & ASSOCIATES, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PITTSBURGH PENGUINS PITTSBURGH PENGUINS LIFE AND LONG TERM DISABILITY PLAN	PA	$113K	$9K	SUN LIFE ASSURANCE COMPANY OF CANADA
CENTER INDEPENDENT OIL STORES, LLC CENTER INDEPENDENT OIL STORES, LLC LIFE AND AD&D PLAN	PA	$29K	$5K	RELIANCE STANDARD LIFE INSURANCE COMPANY
DIRECT MARKETING SOLUTIONS, INC. DIRECT MARKETING SOLUTIONS HEALTH AND WELFARE BENEFITS PLAN	OR	$130K	$3K	KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST
FORD BUSINESS MACHINES, INC. FORD BUSINESS MACHINES LIFE INSURANCE PLAN	PA	$11K	$2K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
WOLFE LLC WOLFE LLC DISABILITY PLAN	PA	$16K	$2K	UNUM LIFE INSURANCE COMPANY OF AMERICA