| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $7K | — | $7K | 3.57% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | DELTA DENTAL OF PENNSYLVANIA | $697 | $8K | $8K | 21.86% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $893 | — | $893 | 3.36% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | RELIANCE LIFE INSURANCE COMPANY | $2K | — | $2K | 14.11% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | RELIANCE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | HEARTLAND FIDELITY INSURANCE | $586 | — | $586 | 5.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | RELIANCE LIFE INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | UPMC HEALTH OPTIONS | $143 | — | $143 | 3.54% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UPMC HEALTH OPTIONS | 134 | $232K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 201 | $39K |
| Vision | HEARTLAND FIDELITY INSURANCE | 211 | $12K |
| Life insurance(2 contracts) | RELIANCE LIFE INSURANCE COMPANY | 114 | $23K |
| Long-term disability | RELIANCE LIFE INSURANCE COMPANY | 114 | $18K |
| Other | RELIANCE LIFE INSURANCE COMPANY | 114 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.