| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS, MCKIBBEN, BONGIOVANNI & CO. | 305 WEST 6TH STREET ERIE, PA 16507 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 0.41% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS, MCKIBBEN, BONGIOVANNI & CO. | 305 WEST 6TH STREET ERIE, PA 16507 | DELTA DENTAL OF PENNSYLVANIA | $6K | — | $6K | 5.20% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS, MCKIBBEN, BONGIOVANNI & CO. | 305 WEST 6TH STREET ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR, 13TH FL CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 18.64% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS, MCKIBBEN, BONGIOVANNI & CO. | 305 WEST 6TH STREET ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.74% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS, MCKIBBEN, BONGIOVANNI & CO. | 305 WEST 6TH STREET ERIE, PA 16507 | HEARTLAND | $2K | — | $2K | 8.00% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS, MCKIBBEN, BONGIOVANNI & CO. | 305 WEST 6TH STREET ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS, MCKIBBEN, BONGIOVANNI & CO. | 305 WEST 6TH STREET ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS, MCKIBBEN, BONGIOVANNI & CO. | 305 WEST 6TH STREET ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 531 | $2.4M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 319 | $123K |
| Vision | HEARTLAND | 323 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 302 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $32K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 302 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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.
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.