| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BERT COMPANY3 | 800 STATE STREET SUITE 500 ERIE, PA 16501 | HM LIFE INSURANCE COMPANY | $95K | — | $95K | 10.00% |
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $97K | — | $97K | 12.00% |
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $67K | — | $67K | 10.00% |
| 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 SUITE 200 ERIE, PA 16501 | VISION SERVICE PLAN | $23K | — | $23K | 8.26% |
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | — | $37K | 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 | — | $110K |
| HIGHMARK, INC EIN 23-1294723 NONE | Claims processing Service code 12 | — | $0 |
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 | 3,147 | 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) | 3,147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,913 | $282K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,500 | $996K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,396 | $675K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,396 | $440K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 2,148 | $951K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,650 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,650 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.