| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VICARY INSURANCE AGENCY Filed as: VICARY INSURANCE AGENCY LLC | 1652 WEST 8TH STREET ERIE, PA 16505 | HIGHMARK INC. | $25K | — | $25K | 2.44% |
| RICHARD VICARY | 1652 WEST 8TH STREET ERIE, PA 16505 | GUARDIAN | $17K | — | $17K | 11.35% |
| DAILYFEATS INC. | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | GUARDIAN | $2K | — | $2K | 1.06% |
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 112 | $1.0M |
| Dental | GUARDIAN | 131 | $148K |
| Vision | GUARDIAN | 131 | $148K |
| Life insurance | GUARDIAN | 131 | $148K |
| Prescription drug | HIGHMARK INC. | 112 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.