| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES/BERT CO | 100 SUMMIT LAKE DR., SUITE 400 VALHALLA, NY 10595 | INDEPENDENT HEALTH BENEFITS CORPORATION | — | $40K | $40K | 2.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 800 STATE ST STE 200 ERIE, PA 165011353 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | — | $18K | 6.90% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $5K | $13K | 5.09% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $129 | — | $129 | 0.05% |
| USI INSURANCE SERVICES LLC3 | 800 STATE ST STE 200 ERIE, PA 16501 | VISON SERVICE PLAN | $935 | — | $935 | 5.66% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 752511814 | VISON SERVICE PLAN | $825 | — | $825 | 5.00% |
| THE BERT COMPANY3 | 800 STATE STREET SUITE 500 ERIE, PA 165011357 | VISON SERVICE PLAN | $46 | — | $46 | 0.28% |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 422 | $261K |
| Vision | VISON SERVICE PLAN | 105 | $17K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 422 | $261K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 422 | $261K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 422 | $261K |
| Prescription drug | INDEPENDENT HEALTH BENEFITS CORPORATION | 133 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.
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.