| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BERT COMPANY3 | 800 STATE STREET, SUITE 500 ERIE, PA 16501 | HIGHMARK CASUALTY INSURANCE COMPANY | $49K | — | $49K | 7.56% |
| VERACITY BENEFIT DESIGNS3 | 800 STATE STREET, SUITE 500 ERIE, PA 16501 | HIGHMARK CASUALTY INSURANCE COMPANY | $16K | — | $16K | 2.44% |
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53K | — | $53K | 12.00% |
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | — | $41K | 10.00% |
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | — | $31K | 12.00% |
| THE BERT COMPANY3 | 800 STATE STREET SUITE 500 ERIE, PA 16501 | VISION SERVICE PLAN | $14K | — | $14K | 10.00% |
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | — | $29K | 20.00% |
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | HIGHMARK | $90K | — | $90K | — |
| VERACITY BENEFIT DESIGNS3 | 513 W THIRD STREET JAMESTOWN, NY 14701 | HIGHMARK | $43K | — | $43K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK, INC EIN 23-1294723 NONE | Claims processing Service code 12 | — | $908K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 NONE | Claims processing Service code 12 | — | $71K |
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 | 2,152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 1,876 | $0 |
| Vision | VISION SERVICE PLAN | 1,244 | $144K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,152 | $586K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,976 | $405K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,976 | $257K |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE COMPANY | 1,878 | $650K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,152 | $586K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,152 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.