| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY, INC | 3537 WEST 12TH STREET ERIE, PA 16505 | HIGHMARK, INC. | $35K | — | $35K | 4.63% |
| LOSEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16605 | UNITED CONCORDIA COMPANIES, INC. | $5K | — | $5K | 10.01% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY, INC | 3537 WEST 12TH STREET ERIE, PA 16505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.21% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY, INC | 3537 WEST 12TH STREET ERIE, PA 16505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $160 | $4K | 20.81% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY, INC | 3537 WEST 12TH STREET ERIE, PA 16505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $449 | — | $449 | 11.01% |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 205 | $758K |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 191 | $51K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $4K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $23K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 102 | $20K |
| Prescription drug | HIGHMARK, INC. | 205 | $758K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
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.