| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LILLIS MCKIBBEN BONGIOVANNI AND CO.3 | 100 STATE STREET, SUITE 510 ERIE, PA 16507 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 5.39% |
| MANUFACTURER & BUSINESS ASSOCIATION3 | 2171 WEST 38TH STREET ERIE, PA 16508 | VISION BENEFITS OF AMERICA | $398 | — | $398 | 4.51% |
| VICARY INSURANCE AGENCY3 Filed as: VICARY INSURANCE AGENCY, LLC | 1652 WEST 8TH STREET ERIE, PA 16505 | VISION BENEFITS OF AMERICA | $397 | — | $397 | 4.49% |
| LILLIS MCKIBBEN BONGIOVANNI AND CO.3 | 100 STATE STREET, SUITE 510 ERIE, PA 16507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| LILLIS MCKIBBEN BONGIOVANNI AND CO.3 | 100 STATE STREET, SUITE 510 ERIE, PA 16507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $798 | — | $798 | 12.00% |
| LILLIS MCKIBBEN BONGIOVANNI AND CO.3 | 100 STATE STREET, SUITE 510 ERIE, PA 16507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $99 | — | $99 | 12.03% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 114 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $7K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 111 | $51K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $8K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $823 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.