| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BERT COMPANY3 Filed as: THE BERT COMPANY DBA NORTHWEST INS | 800 STATE STREET STE 500 ERIE, PA 16501 | UPMC HEALTH OPTIONS | $23K | — | $23K | 2.76% |
| THE BERT COMPANY3 Filed as: THE BERT COMPANY DBA NORTHWEST INS | 800 STATE STREET STE 500 ERIE, PA 16501 | UPMC HEALTH OPTIONS | $18K | — | $18K | 2.72% |
| THE BERT COMPANY3 Filed as: THE BERT COMPANY DBA NORTHWEST INS | 800 STATE STREET STE 500 ERIE, PA 16501 | UPMC HEALTH OPTIONS | $3K | — | $3K | 2.71% |
| THE BERT COMPANY3 Filed as: THE BERT COMPANY DBA NORTHWEST INS | 800 STATE STREET STE 500 ERIE, PA 16501 | UPMC HEALTH OPTIONS | $698 | — | $698 | 2.75% |
| THE BERT COMPANY3 Filed as: THE BERT COMPANY DBA NORTHWEST INS | 800 STATE STREET STE 500 ERIE, PA 16501 | UPMC HEALTH OPTIONS | $547 | — | $547 | 2.75% |
| THE BERT COMPANY3 Filed as: THE BERT COMPANY DBA NORTHWEST INS | 800 STATE STREET STE 500 ERIE, PA 16501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.86% |
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | STANDARD INSURANCE COMPANY | $768 | — | $768 | 13.83% |
| THE BERT COMPANY3 Filed as: THE BERT COMPANY DBA NORTHWEST INS | 800 STATE STREET STE 500 ERIE, PA 16501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $123 | — | $123 | 12.04% |
| THE BERT COMPANY3 Filed as: THE BERT COMPANY DBA NORTHWEST INS | 800 STATE STREET STE 500 ERIE, PA 16501 | UPMC HEALTH OPTIONS | — | — | $0 | — |
| THE BERT COMPANY3 Filed as: THE BERT COMPANY DBA NORTHWEST INS | 800 STATE STREET STE 500 ERIE, PA 16501 | UPMC HEALTH OPTIONS | — | — | $0 | — |
| THE BERT COMPANY3 Filed as: THE BERT COMPANY DBA NORTHWEST INS | 800 STATE STREET STE 500 ERIE, PA 16501 | UPMC HEALTH OPTIONS | — | — | $0 | — |
| THE BERT COMPANY3 Filed as: THE BERT COMPANY DBA NORTHWEST INS | 800 STATE STREET STE 500 ERIE, PA 16501 | UPMC HEALTH OPTIONS | — | — | $0 | — |
| THE BERT COMPANY3 Filed as: THE BERT COMPANY DBA NORTHWEST INS | 800 STATE STREET STE 500 ERIE, PA 16501 | UPMC HEALTH OPTIONS | — | — | $0 | — |
| THE BERT COMPANY3 Filed as: THE BERT COMPANY DBA NORTHWEST INS | 800 STATE STREET STE 500 ERIE, PA 16501 | UPMC HEALTH OPTIONS | — | — | $0 | — |
| THE BERT COMPANY3 Filed as: THE BERT COMPANY DBA NORTHWEST INS | 800 STATE STREET STE 500 ERIE, PA 16501 | UPMC HEALTH OPTIONS | — | — | $0 | — |
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 | 420 | 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. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts) | UPMC HEALTH OPTIONS | 126 | $1.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 420 | $11K |
| Long-term disability | STANDARD INSURANCE COMPANY | 10 | $6K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 315 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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.