| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16512 | HIGHMARK BLUE SHIELD | — | — | $0 | 0.00% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16512 | HIGHMARK BLUE SHIELD | — | — | $0 | 0.00% |
| C H REAMS & ASSOCIATES INC3 | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | HIGHMARK CASUALTY INS. CO. | $47K | — | $47K | 10.00% |
| C H REAMS & ASSOCIATES INC3 | 401 CRANBERRY ST SUITE 100 ERIE, PA 16512 | DELTA DENTAL OF PENNSYLVANIA | $1K | — | $1K | 0.54% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.74% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16512 | HIGHMARK INC. | — | — | $0 | 0.00% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16512 | THE HARTFORD/HARTFORD LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK BLUE CROSS BLUE SHIELD EIN 23-1294723 | Claims processing Service code 12 | — | $257K |
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 | 370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 996 | $211K |
| Vision | HIGHMARK INC. | 987 | $59K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 380 | $115K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 380 | $115K |
| Prescription drug | HIGHMARK BLUE SHIELD | 3,055 | $607K |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INS. CO. | 328 | $466K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 432 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,807 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.