| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES | 100 FRONT STREET STE 610 WORCESTER, MA 01608 | AMALGAMATED LIFE | $79K | — | $79K | 12.66% |
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $73K | — | $73K | 12.00% |
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $61K | — | $61K | 10.00% |
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | — | $41K | 12.00% |
| THE BERT COMPANY3 | 800 STATE STREET SUITE 500 ERIE, PA 16501 | VISION SERVICE PLAN | $22K | — | $22K | 10.00% |
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 20.00% |
| NORTHWEST INSURANCE SERVICES3 | 800 STATE STREET STE 500 ERIE, PA 16501 | GERBER LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 NONE | Claims processing Service code 12 | — | $99K |
| HIGHMARK, INC EIN 23-1294723 NONE | Claims processing Service code 12 | — | $12K |
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 | 2,200 | 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) | 2,200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,415 | $216K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,135 | $726K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,994 | $611K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,994 | $342K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE | 1,753 | $626K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,200 | $751K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,200 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.