| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH STREET ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $9K | 20.43% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD, FL 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.29% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH STREET ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 14.47% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD, FL 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.34% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH STREET ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $734 | $5K | 17.85% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD, FL 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $855 | $855 | 3.31% |
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 | 498 | 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) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 754 | $4.2M |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 406 | $42K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 466 | $38K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 466 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 754 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.