| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | HIGHMARK, INC | $47K | $0 | $47K | 3.29% |
| USI INSURANCE SERVICES LLC3 | 800 STATE STREET, SUITE 200 ERIE, PA 16501 | HARTFORD LIFE AND ACCIDENT | $4K | $1K | $5K | 16.82% |
| THE BERT COMPANY3 | 800 STATE STREET, SUITE 500 ERIE, PA 16501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $447 | $0 | $447 | 2.24% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OK 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $244 | $0 | $244 | 1.22% |
| STACY L PARKER3 | 470 NORTH LIBERTY RAOD GROVE CITY, PA 16127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $199 | $0 | $199 | 1.00% |
| ALYNN G CERVONE3 | 14220 CRESCENT LANE MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $167 | $0 | $167 | 0.84% |
| LISA M BECK3 | 10717 WESTVIEW AVENUE MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | $0 | $158 | 0.79% |
| SMITH BENEFITS CONSULTING GROUP3 Filed as: SMITH BNFT CNSLT GRP & OTHER AGENTS | 810 RIVER AVENUE, SUITE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | $0 | $101 | 0.51% |
| KARGES BENEFITS CONSULT GROUP LLC3 | 2427 BUFFALO ROAD ERIE, PA 16510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | $0 | $92 | 0.46% |
| USI INSURANCE SERVICES LLC3 | 800 STATE STREET, SUITE 200 ERIE, PA 16501 | VISION BENEFITS OF AMERICA | $674 | $0 | $674 | 7.02% |
| MANUFACTURER & BUSINESS ASSOCIATION3 Filed as: MANUFACTURER & BUSINESS ASSN. INS | 2171 WEST 38TH STREET ERIE, PA 16508 | VISION BENEFITS OF AMERICA | $190 | $0 | $190 | 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 | 350 | 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) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC | 211 | $1.4M |
| Dental | HIGHMARK, INC | 211 | $1.4M |
| Vision | VISION BENEFITS OF AMERICA | 123 | $10K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 350 | $30K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 2 | $20K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 350 | $30K |
| Prescription drug | HIGHMARK, INC | 211 | $1.4M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 350 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.