| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH ST ERIE, PA 16507 | UPMC HEALTH OPTIONS | $18K | — | $18K | 4.00% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH ST ERIE, PA 16507 | UPMC HEALTH OPTIONS | $2K | — | $2K | 2.94% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH ST ERIE, PA 16507 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $147 | $5K | 9.81% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH ST ERIE, PA 16507 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 5.72% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH ST ERIE, PA 16507 | VISION BENEFITS OF AMERICA | $797 | — | $797 | 7.02% |
| MANUFACTURER & BUSINESS ASSOCIATION3 | 2171 WEST 38TH STREET ERIE, PA 16508 | VISION BENEFITS OF AMERICA | $225 | — | $225 | 1.98% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH ST ERIE, PA 16507 | UPMC HEALTH OPTIONS | $371 | — | $371 | 4.00% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UPMC HEALTH OPTIONS | 99 | $528K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 98 | $46K |
| Vision | VISION BENEFITS OF AMERICA | 90 | $11K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 258 | $54K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 258 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.