| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $38K | — | $38K | 2.59% |
| 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 | 3537 WEST 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.54% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 W 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| MARILYN WYMAN3 Filed as: MARILYN LEE WYMAN | 4276 STONE CREEK DRIVE ERIE, PA 16506 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 14.07% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.51% |
| ASSURANCE AGENCY LTD3 Filed as: EMPLOYER ASSURANCE SOLUTIONS LLC | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $333 | $1K | 9.06% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR WAYNE, PA 19087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $881 | — | $881 | 5.76% |
| STEPHANIE V BOOMGAARDEN3 | 207 LAKELAND DR EDINBORO, PA 16412 | THE PAUL REVERE LIFE INSURANCE COMPANY | $760 | — | $760 | 4.97% |
| PATRICK PREISEL3 Filed as: PATRICK J PRIESEL | 806 YOUNG ST NEW CASTLE, PA 16101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $735 | — | $735 | 4.80% |
| SADIE T PRESCOTT3 | 1130 GREENFIELD DRIVE ERIE, PA 16509 | THE PAUL REVERE LIFE INSURANCE COMPANY | $527 | — | $527 | 3.44% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $910 | — | $910 | 11.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 W 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $692 | — | $692 | 11.01% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 100.00% |
| ASSURANCE AGENCY LTD3 Filed as: EMPLOYER ASSURANCE SOLUTIONS LLC | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $100 | $247 | 33.70% |
| SADIE T PRESCOTT3 | 1130 GREENFIELD DRIVE ERIE, PA 16509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | — | $205 | 27.97% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 12.96% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $3 | $50 | 6.82% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 309 | $89K |
| Life insurance(4 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $51K |
| Short-term disability(3 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 338 | $62K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $4K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF WESTERN NY | 315 | $1.5M |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.