| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUBBARD BERT KARBLE WEBER, INC.3 | 1250 TOWER LANE ERIE, PA 16512 | HIGHMARK CASUALTY INS CO | $21K | — | $21K | 10.00% |
| HUBBARD BERT KARLE WEBER3 Filed as: HUBBARD-BERT INC. | 1250 TOWER LANE ERIE, PA 16505 | VISION BEENFITS OF AMERCIA | $2K | — | $2K | 3.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK CASUALTY INSURANCE COMPANY EIN 25-1334623 | Contract Administrator; Other services; Float revenue Service code 13 | P.O. BOX 535061 PITTSBURGH, PA 152535061 | $282K |
| HUBBARD BERT KARLE WEBER, INC EIN 25-1522457 | Other services; Other commissions Service code 49 | 1250 TOWER LANE 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 | 428 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BEENFITS OF AMERCIA | 407 | $43K |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INS CO | 428 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.