| 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 | 401 CRANBERRY ST SUITE 100 ERIE, PA 16512 | HIGHMARK CASUALTY INS. CO. | $59K | — | $59K | 10.00% |
| 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 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 | RELIANCE STANDARD LIFE INSURANCE CO. - XXX497 | $3K | — | $3K | 4.24% |
| 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 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.97% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16512 | PROVIDENT LIFE & ACCIDENT IN CO XXX081 | $8K | — | $8K | 26.85% |
| 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 | $3K | — | $3K | 9.88% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16512 | PROVIDENT LIFE & ACCIDENT INS CO XXX515 | $2K | — | $2K | 9.69% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16512 | RELIANCE STANDARD LIFE INS CO XXX308 | $1K | — | $1K | 10.00% |
| C H REAMS & ASSOCIATES INC Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16512 | RELIANCE STANDARD LIFE INS CO XXX308 | — | — | $0 | 0.00% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16512 | PROVIDENT LIFE & ACCIDENT INS CO XXX115 | $2K | — | $2K | 42.43% |
| C H REAMS & ASSOCIATES INC3 | 401 CRANBERRY ST SUITE 100 ERIE, PA 16512 | RELIANCE STANDARD LIFE INS. CO - XXX560 | $418 | — | $418 | 15.01% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16512 | FIRST RELIANCE STANDARD LIFE INS. CO. | $105 | — | $105 | 10.95% |
| 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 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK BLUE CROSS BLUE SHIELD EIN 23-1294723 | Claims processing Service code 12 | — | $208K |
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 | 366 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,105 | $241K |
| Vision | HIGHMARK INC. | 1,068 | $64K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE CO. - XXX497 | 444 | $90K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INS. CO - XXX560 | 15 | $4K |
| Long-term disability(5 contracts, 5 carriers) | RELIANCE STANDARD LIFE INSURANCE CO. - XXX497 | 444 | $172K |
| Prescription drug | HIGHMARK BLUE SHIELD | 3,416 | $480K |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INS. CO. | 0 | $588K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE CO. - XXX497 | 542 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,385 | — |
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."
No prospect flags tripped on this filing.