| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LILLIS MCKIBBEN BONGIOVANNI AND CO.3 Filed as: LILLIS, MCKIBBEN BONGIOVANNI AND CO | 305 WEST 6TH STREET ERIE, PA 16507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH NONE | Claims processing Service code 12 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | $54K |
| FIRST NATIONAL INSURANCE AGENCY NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 12 FEDERAL ST PITTSBURGH, PA 15212 | $38K |
| AMCA NONE | Claims processing Service code 12 | 101 BRADFORD RD WEXFORD, PA 15090 | $11K |
| FRISSORA & ASSOCIATES, LLC NONE | Contract Administrator Service code 13 | 103 BRADFORD RD WEXFORD, PA 15090 | $6K |
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 | 154 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 228 | $30K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 162 | $292K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 228 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.