| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRISSORA & ASSOCIATES LLC3 Filed as: FRISSORA & ASSOCIATES | 103 BRADFORD ROAD WEXFORD, PA 15090 | MERITAIN HEALTH | $48K | $8K | $56K | 26.56% |
| GERBER LIFE INSURANCE COMPANY3 | 445 STATE STREET FREMONT, MI 49412 | MERITAIN HEALTH | — | — | $0 | 0.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY, INC | 3537 WEST 12TH STREET ERIE, PA 16505 | AMERITAS | $5K | — | $5K | 10.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY, INC | 3537 WEST 12TH STREET ERIE, PA 16505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 9.69% |
| LOESEL-SCHAAF INSURANCE AGENCY INC Filed as: LOESEL-SCHAAF INSURANCE AGENCY, INC | 3537 WEST 12TH STREET ERIE, PA 16505 | VISION BENEFITS OF AMERICA | $934 | — | $934 | 4.08% |
| MANUFACTURER & BUSINESS ASSOCIATION3 | 2171 WEST 38TH STREET ERIE, PA 16508 | VISION BENEFITS OF AMERICA | $264 | — | $264 | 1.15% |
| 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 | — | $4K | 20.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY, INC | 3537 WEST 12TH STREET ERIE, PA 16505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $434 | — | $434 | 11.00% |
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 | 140 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 121 | $212K |
| Dental | AMERITAS | 255 | $47K |
| Vision | VISION BENEFITS OF AMERICA | 107 | $23K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $4K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 133 | $28K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 86 | $20K |
| Prescription drug | MERITAIN HEALTH | 121 | $212K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.