| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 WEST 6TH STREET ERIE, PA 16507 | HIGHMARK INC | $31K | — | $31K | 1.93% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 WEST 6TH STREET ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.08% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 WEST 6TH STREET ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 WEST 6TH STREET ERIE, PA 16507 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 9.83% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 WEST 6TH STREET ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 WEST 6TH STREET ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 14.33% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 WEST 6TH STREET ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 WEST 6TH STREET ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS MCKIBBEN & COMPANY | 305 WEST 6TH STREET ERIE, PA 16507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $95 | — | $95 | 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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 131 | $1.6M |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $16K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $89K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $87K |
| Long-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $78K |
| Prescription drug | HIGHMARK INC | 131 | $1.6M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 159 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.