| 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 | $18K | — | $18K | 1.41% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $7K | — | $7K | 1.41% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $3K | — | $3K | 1.41% |
| THE BERT COMPANY3 | 800 STATE STREET SUITE 500 ERIE, PA 16501 | NATIONWIDE LIFE INSURANCE COMPANY | $10K | — | $10K | 5.30% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $3K | — | $3K | 1.42% |
| 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 | $671 | — | $671 | 1.50% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $500 | — | $500 | 1.43% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $470 | — | $470 | 1.41% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $397 | — | $397 | 1.38% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $275 | — | $275 | 1.51% |
| LOESEL-SCHAAF INSURANCE AGENCY INC Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $226 | — | $226 | 1.31% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $32 | — | $32 | 1.54% |
| 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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts) | UPMC HEALTH OPTIONS | 336 | $2.4M |
| Dental | DELTA DENTAL | 14 | $113K |
| Life insurance | NATIONWIDE LIFE INSURANCE COMPANY | 260 | $190K |
| Short-term disability | NATIONWIDE LIFE INSURANCE COMPANY | 260 | $190K |
| Long-term disability | NATIONWIDE LIFE INSURANCE COMPANY | 260 | $190K |
| Prescription drug(11 contracts) | UPMC HEALTH OPTIONS | 336 | $2.4M |
| Other | NATIONWIDE LIFE INSURANCE COMPANY | 260 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.