| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BERT COMPANY3 | UNKNOWN MEADVILLE, PA 16335 | UPMC HEALTH OPTIONS | $34K | $0 | $34K | 2.99% |
| THE BERT COMPANY3 | 800 STATE STREET, SUITE 500 ERIE, PA 16501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.12% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.96% |
| STACY L PARKER3 Filed as: STACY L. PARKER | 470 NORTH LIBERITY ROAD GROVE CITY, PA 16127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $281 | $0 | $281 | 0.80% |
| ALYNN G CERVONE3 Filed as: ALYNN G. CERVONE | 14220 CRESCENT LANE MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $237 | $0 | $237 | 0.68% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE, SUITE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | $0 | $82 | 0.23% |
| THE BERT COMPANY3 | 800 STATE STREET, SUITE 200 ERIE, PA 16501 | HARTFORD LIFE AND ACCIDENT | $2K | $121 | $2K | 10.83% |
| THE BERT COMPANY3 | 800 STATE STREET, SUITE 200 ERIE, PA 16501 | VISION BENEFITS OF AMERICA | $887 | $0 | $887 | 7.02% |
| MANUFACTUER AND BUSINESS ASSOC INS.3 | 2171 WEST 38TH STREET ERIE, PA 16508 | VISION BENEFITS OF AMERICA | $250 | $0 | $250 | 1.98% |
| THE BERT COMPANY3 | 800 STATE STREET, SUITE 200 ERIE, PA 16501 | HARTFORD LIFE AND ACCIDENT | $574 | $0 | $574 | 10.72% |
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 | 440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 186 | $1.1M |
| Vision | VISION BENEFITS OF AMERICA | 173 | $13K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 441 | $27K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 96 | $35K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 441 | $27K |
| Prescription drug | UPMC HEALTH OPTIONS | 186 | $1.1M |
| Other(4 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 441 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.