| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | DELTA DENTAL OF NEW YORK | $4K | — | $4K | 5.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY, INC | 3537 WEST 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 11.72% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY, INC | 3537 W 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY, INC | 3537 WEST 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 11.32% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY INC | 3537 WEST 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $889 | — | $889 | 11.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY, INC | 3537 W 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $635 | — | $635 | 11.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY, INC | 3537 WEST 12TH STREET ERIE, PA 16505 | BLUE CROSS BLUE SHIELD OF WESTERN NY | $26K | — | $26K | — |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 158 | $71K |
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 174 | $28K |
| Short-term disability(3 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 149 | $35K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 155 | $30K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF WESTERN NY | 158 | $0 |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 174 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.