| 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 | $35K | $188K | $223K | 14.84% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | HIGHMARK NEW YORK | $3K | — | $3K | 2.22% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | DELTA DENTAL OF NEW YORK | $4K | $0 | $4K | 5.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 6.80% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 11.53% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 W 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 20.00% |
| 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 WEST 12TH STREET ERIE, PA 16505 | THE PAUL REVERE LIFE INSURANCE COMPANY | $326 | — | $326 | 2.34% |
| MARILYN WYMAN3 Filed as: MARILYN LEE WYMAN | 1219 BELLFIELD COURT GREENSBURG, PA 15601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $295 | — | $295 | 2.12% |
| ASSURANCE AGENCY LTD3 Filed as: EMPLOYER ASSURANCE SOLUTIONS LLC | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | THE PAUL REVERE LIFE INSURANCE COMPANY | $270 | — | $270 | 1.94% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR WAYNE, PA 19087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $163 | — | $163 | 1.17% |
| SADIE T PRESCOTT3 | 1130 GREENFIELD DRIVE ERIE, PA 16509 | THE PAUL REVERE LIFE INSURANCE COMPANY | $86 | — | $86 | 0.62% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $956 | — | $956 | 11.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 W 12TH STREET ERIE, PA 16505 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $748 | — | $748 | 10.99% |
| ASSURANCE AGENCY LTD3 Filed as: EMPLOYER ASSURANCE SOLUTIONS LLC | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 3.69% |
| SADIE T PRESCOTT3 | 1130 GREENFIELD DRIVE ERIE, PA 16509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 2.32% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 2.32% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 1.16% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK NEW YORK | 165 | $144K |
| Dental | DELTA DENTAL OF NEW YORK | 297 | $86K |
| Life insurance(4 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $54K |
| Short-term disability(3 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 326 | $95K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 143 | $34K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF WESTERN NY | 301 | $1.6M |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.