| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH STREET ERIE, PA 16507 | UPMC HEALTH OPTIONS | $23K | — | $23K | 1.30% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH STREET ERIE, PA 16507 | UPMC HEALTH OPTIONS | $19K | — | $19K | 1.30% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH STREET ERIE, PA 16507 | UPMC HEALTH OPTIONS | $7K | — | $7K | 1.30% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH STREET ERIE, PA 16507 | UPMC HEALTH OPTIONS | $3K | — | $3K | 1.30% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH STREET ERIE, PA 16507 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 8.76% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH STREET ERIE, PA 16507 | UPMC HEALTH OPTIONS | $1K | — | $1K | 1.35% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH STREET ERIE, PA 16507 | UPMC HEALTH OPTIONS | $886 | — | $886 | 1.19% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH STREET ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.98% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH STREET ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.12% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH STREET ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH STREET ERIE, PA 16507 | UPMC HEALTH OPTIONS | $244 | — | $244 | 1.30% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH STREET ERIE, PA 16507 | UPMC HEALTH OPTIONS | $87 | — | $87 | 1.18% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH STREET ERIE, PA 16507 | UPMC HEALTH OPTIONS | $23 | — | $23 | 1.00% |
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 | 448 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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)(9 contracts) | UPMC HEALTH OPTIONS | 327 | $4.2M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 397 | $199K |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 248 | $30K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 451 | $34K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 451 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.