| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $23K | — | $23K | 1.88% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $9K | — | $9K | 1.76% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $4K | — | $4K | 2.03% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $4K | — | $4K | 1.76% |
| THE BERT COMPANY3 | 800 STATE STREET SUITE 500 ERIE, PA 16501 | NATIONWIDE LIFE INSURANCE COMPANY | $9K | — | $9K | 5.77% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | DELTA DENTAL | — | — | $0 | 0.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $885 | — | $885 | 1.34% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $1K | — | $1K | 2.48% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $540 | — | $540 | 1.68% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $585 | — | $585 | 1.88% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $555 | — | $555 | 2.66% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $75 | — | $75 | 3.54% |
| LOESEL-SCHAAF INSURANCE AGENCY INC Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | — | — | $0 | — |
| LOESEL-SCHAAF INSURANCE AGENCY INC Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | — | — | $0 | — |
| LOESEL-SCHAAF INSURANCE AGENCY INC Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | — | — | $0 | — |
| LOESEL-SCHAAF INSURANCE AGENCY INC Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | — | — | $0 | — |
| LOESEL-SCHAAF INSURANCE AGENCY INC Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | — | — | $0 | — |
| LOESEL-SCHAAF INSURANCE AGENCY INC Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | — | — | $0 | — |
| LOESEL-SCHAAF INSURANCE AGENCY INC Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | — | — | $0 | — |
| LOESEL-SCHAAF INSURANCE AGENCY INC Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | — | — | $0 | — |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $15 | — | $15 | — |
| LOESEL-SCHAAF INSURANCE AGENCY INC Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LOESEL SCHAAF INSURANCE AGENCY EIN 25-1300138 | Contract Administrator Service code 13 | 3537 WEST 12TH STREET ERIE, PA 16505 | $0 |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(20 contracts) | UPMC HEALTH OPTIONS | 305 | $2.3M |
| Dental | DELTA DENTAL | 616 | $96K |
| Life insurance | NATIONWIDE LIFE INSURANCE COMPANY | 238 | $162K |
| Short-term disability | NATIONWIDE LIFE INSURANCE COMPANY | 238 | $162K |
| Long-term disability | NATIONWIDE LIFE INSURANCE COMPANY | 238 | $162K |
| Prescription drug(20 contracts) | UPMC HEALTH OPTIONS | 305 | $2.3M |
| Other | NATIONWIDE LIFE INSURANCE COMPANY | 238 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 616 | — |
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.