| 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 16507 | 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 16507 | HIGHMARK BLUE SHIELD | — | — | $0 | 0.00% |
| C H REAMS & ASSOCIATES INC3 | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | HIGHMARK LIFE INS. CO. | $59K | — | $59K | 10.00% |
| C H REAMS & ASSOCIATES INC Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | GUARDIAN | $22K | — | $22K | 9.49% |
| DAILYFEATS INC. Filed as: DAILYFEATS INC | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | GUARDIAN | $3K | — | $3K | 1.34% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | HIGHMARK INC. | — | — | $0 | 0.00% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | PROVIDENT LIFE & ACCIDENT IN CO XXX081 | $7K | — | $7K | 21.68% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.93% |
| RESCHINI AGENCY INC3 | PO BOX 449 INDIANA, PA 15701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.06% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | PROVIDENT LIFE & ACCIDENT INS CO XXX515 | $1K | — | $1K | 8.20% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | THE HARTFORD/HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
| C H REAMS & ASSOCIATES INC Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $770 | — | $770 | 10.00% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | PROVIDENT LIFE & ACCIDENT INS CO XXX115 | $2K | — | $2K | 22.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK BLUE CROSS BLUE SHIELD EIN 23-1294723 | Claims processing Service code 12 | — | $141K |
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 | 504 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 491 | $231K |
| Vision | HIGHMARK INC. | 1,099 | $66K |
| Life insurance | GUARDIAN | 491 | $231K |
| Short-term disability | GUARDIAN | 491 | $231K |
| Long-term disability(4 contracts, 4 carriers) | GUARDIAN | 491 | $286K |
| Prescription drug | HIGHMARK BLUE SHIELD | 647 | $686K |
| Stop-loss / reinsurancereinsurance | HIGHMARK LIFE INS. CO. | 395 | $587K |
| Other(4 contracts, 3 carriers) | GUARDIAN | 542 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,099 | — |
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.