| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 W 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 20.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.55% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 9.21% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 7.04% |
| MANUFACTURER & BUSINESS ASSOCIATION3 Filed as: MANUFACTURER & BUSINESS ASSOC. INS. | 2171 W 38TH ST ERIE, PA 16508 | VISION BENEFITS OF AMERICA | $410 | — | $410 | 1.98% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | THE PAUL REVERE LIFE INSURANCE COMPANY | $364 | — | $364 | 2.81% |
| MARILYN WYMAN3 Filed as: MARILYN LEE WYMAN | 1219 BELLFIELD COURT GREENSBURG, PA 15601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $251 | — | $251 | 1.93% |
| ASSURANCE AGENCY LTD3 Filed as: EMPLOYER ASSURANCE SOLUTIONS LLC | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | THE PAUL REVERE LIFE INSURANCE COMPANY | $250 | — | $250 | 1.93% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR WAYNE, PA 19087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $182 | — | $182 | 1.40% |
| KIMBERLY THOMPSON3 | 1614 THOMAS DR POINT OF ROCKS, MD 21842 | THE PAUL REVERE LIFE INSURANCE COMPANY | $110 | — | $110 | 0.85% |
| SADIE T PRESCOTT3 | 1130 GREENFIELD DRIVE ERIE, PA 16509 | THE PAUL REVERE LIFE INSURANCE COMPANY | $86 | — | $86 | 0.66% |
| BRANDY BETSON3 | 1965 PARK PLACE BOCA RATON, FL 33486 | THE PAUL REVERE LIFE INSURANCE COMPANY | $30 | $7 | $37 | 0.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE JOSEPH FAETH | 426 ROYCROFT BLVD BUFFALO, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE TERRANCE BARRETT | 10301 BREAKWATER CT OCEAN CITY, MD 21842 | THE PAUL REVERE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVE APT 6 FORT LAUDERDALE, FL 33304 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18 | $3 | $21 | 0.16% |
| JENNIFER ANN BARRETT3 | 10301 BREAKWATER CT OCEAN CITY, MA 21842 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.06% |
| STEPHEN JOSEPH JOYCE3 | 33 GATES CIR APT 2D BUFFALO, NY 14209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $1 | $4 | 0.03% |
| JOHN BETSON3 Filed as: JOHN R BETSON | 1965 PARK PLACE BOCA RATON, FL 33486 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SW 112TH TER MIAMI, FL 33196 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| SINGLE POINT ENROLLMENT SOLUT. INC.3 | 14716 SW 112TH TER MIAMI, FL 33196 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.76% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 W 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $837 | — | $837 | 11.00% |
| BRANDY BETSON3 | 1965 PARK PLACE BOCA RATON, FL 33486 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $57 | $228 | 11.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVE APT 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $25 | $126 | 6.63% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 5.73% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR STE 410 WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 2.89% |
| JOHN BETSON3 Filed as: JOHN R BETSON | 1965 PARK PLACE BOCA RATON, FL 33486 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $25 | $48 | 2.52% |
| ASSURANCE AGENCY LTD3 Filed as: EMPLOYER ASSURANCE SOLUTIONS LLC | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 2.42% |
| SADIE T PRESCOTT3 | 1130 GREENFIELD DRIVE ERIE, PA 16509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 1.53% |
| SINGLE POINT ENROLLMENT SOLUT. INC.3 | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $5 | $10 | 0.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE TERRANCE BARRETT | 10301 BREAKWATER CT OCEAN CITY, MD 21842 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.42% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.32% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $75K |
| Vision | VISION BENEFITS OF AMERICA | 174 | $21K |
| Life insurance(4 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 202 | $65K |
| Short-term disability(3 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 202 | $81K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $36K |
| Other(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 202 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.