| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 800 STATE STREET, SUITE 200 ERIE, PA 16501 | UPMC HEALTH OPTIONS | $30K | $0 | $30K | 1.73% |
| THE BERT COMPANY3 | 800 STATE STREET, SUITE 200 ERIE, PA 16501 | UPMC HEALTH OPTIONS | $22K | $0 | $22K | 1.27% |
| THE BERT COMPANY3 | 800 STATE STREET, SUITE 200 ERIE, PA 16501 | DELTA DENTAL OF PENNSYLVANIA | $4K | $0 | $4K | 6.41% |
| USI INSURANCE SERVICES LLC3 | 800 STATE STREET, SUITE 200 ERIE, PA 16501 | DELTA DENTAL OF PENNSYLVANIA | $2K | $0 | $2K | 2.98% |
| USI INSURANCE SERVICES LLC3 | 800 STATE STREET, SUITE 200 ERIE, PA 16501 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 12.07% |
| THE BERT COMPANY3 | 800 STATE STREET, SUITE 200 ERIE, PA 16501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $507 | $0 | $507 | 1.98% |
| TRACY L HOSTLER3 Filed as: TRACY HINRICHS | 7182 LIBERTY CENTER DRIVE, SUITE Q WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $464 | $0 | $464 | 1.81% |
| STACY L PARKER3 Filed as: STACY L. PARKER | 470 NORTH LIBERTY ROAD GROVE CITY, PA 16127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $138 | $0 | $138 | 0.54% |
| ALYNN G CERVONE3 Filed as: ALYNN G. CERVONE | 14220 CRESCENT LANE MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | $0 | $116 | 0.45% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVENUE, SUITE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | $0 | $41 | 0.16% |
| USI INSURANCE SERVICES LLC3 | 800 STATE STREET, SUITE 200 ERIE, PA 16501 | VISION BENEFITS OF AMERICA | $515 | $0 | $515 | 4.46% |
| THE BERT COMPANY3 | 800 STATE STREET, SUITE 200 ERIE, PA 16501 | VISION BENEFITS OF AMERICA | $296 | $0 | $296 | 2.56% |
| MANUFACTURER & BUSINESS ASSOCIATION3 Filed as: MANUFACTURER & BUSINESS ASSOC. INS. | 2171 WEST 38TH STREET ERIE, PA 16508 | VISION BENEFITS OF AMERICA | $229 | $0 | $229 | 1.98% |
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 | 379 | 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) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 264 | $1.7M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 232 | $59K |
| Vision | VISION BENEFITS OF AMERICA | 145 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 379 | $33K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 96 | $26K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 379 | $33K |
| Prescription drug | UPMC HEALTH OPTIONS | 264 | $1.7M |
| Other(3 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 379 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.