| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $9K | $16K | 22.80% |
| USI INSURANCE SERVICES LLC3 | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $485 | $0 | $485 | 3.40% |
| LISA M BECK3 | 10717 WESTVIEW AVENUE MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $311 | $0 | $311 | 2.18% |
| THE BERT COMPANY3 | 800 STATE STREET, SUITE 500 ERIE, PA 16501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $237 | $0 | $237 | 1.66% |
| TRACEY HINRICHS3 Filed as: TRACEY HINRICHS AND OTHER AGENTS | 55 MIDWAY ISLAND CLEARWATER, FL 33767 | CONTINENTAL AMERICAN INSURANCE COMPANY | $170 | $0 | $170 | 1.19% |
| KARGES BENEFITS CONSULT GROUP LLC3 Filed as: KARGES BENEFITS CONSULTING GROUP | 2427 BUFFALO ROAD ERIE, PA 16510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $164 | $0 | $164 | 1.15% |
| STACY L PARKER3 Filed as: STACY L. PARKER | 470 NORTH LIBERTY ROAD GROVE CITY, PA 16127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $131 | $0 | $131 | 0.92% |
| ALYNN G CERVONE3 Filed as: ALYNN GRACE CERONE | 14220 CRESCENT LANE MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | $0 | $111 | 0.78% |
| USI INSURANCE SERVICES LLC3 | 800 STATE STREET, SUITE 200 ERIE, PA 16501 | VISION BENEFITS OF AMERICA | $1K | $0 | $1K | 10.05% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | VISION BENEFITS OF AMERICA | $509 | $0 | $509 | 4.95% |
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 | 333 | 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) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 333 | $72K |
| Vision | VISION BENEFITS OF AMERICA | 136 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 333 | $72K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 3 | $14K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 333 | $72K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 333 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.