| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BERT COMPANY3 Filed as: THE BERT CO DBA NORTHWEST INSURANCE | 800 STATE ST STE 500 ERIE, PA 16501 | INDEPENDENT HEALTH | — | $40K | $40K | 2.38% |
| THE BERT COMPANY3 Filed as: THE BERT CO DBA NORTHWEST INSURANCE | 800 STATE ST STE 500 ERIE, PA 16501 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 6.44% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 106043516 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $5K | $13K | 4.67% |
| THE BERT COMPANY3 | 800 STATE STREET SUITE 500 ERIE, PA 16501 | VISON SERVICE PLAN | $948 | — | $948 | 6.04% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 106043546 | VISON SERVICE PLAN | $786 | — | $786 | 5.01% |
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 | 180 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 430 | $269K |
| Vision | VISON SERVICE PLAN | 93 | $16K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 430 | $269K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 430 | $269K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 430 | $269K |
| Prescription drug | INDEPENDENT HEALTH | 279 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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."
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.