| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C H REAMS & ASSOCIATES INC3 | 401 CRANBERRY STREET SUITE 100 ERIE, PA 16507 | HIGHMARK INC | $0 | $94K | $94K | 1.74% |
| C H REAMS & ASSOCIATES INC3 | 401 CRANBERRY STREET SUITE 100 ERIE, PA 16507 | HIGHMARK CASUALTY INSURANCE CO | $41K | $0 | $41K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 INSURANCE CARRIER | Claims processing Service code 12 | — | $302K |
| UPMC HEALTH PLAN EIN 46-2824626 INSURANCE CARRIER | Claims processing Service code 12 | — | $28K |
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 | 826 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 826 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC | 725 | $5.8M |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK INC | 725 | $5.8M |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE CO | 826 | $685K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 826 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.