| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDERSON & KIME EMPLOYEE BENEFITS I3 | — | HIGHMARK INC. | $33K | — | $33K | 2.99% |
| ANDERSON & KIME EMPLOYEE BENEFITS I3 Filed as: ANDERSON & KIME EMPLOYEE BENEF | PO BOX 507 212 MAIN STREET RIDGWAY, PA 15853 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 8.60% |
| THE BERT COMPANY3 Filed as: THE BERT COMPANY DBA | 800 NORTH STATE STREET SUITE 200 ERIE, PA 16501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $404 | $74 | $478 | 0.68% |
| ANDERSON & KIME EMPLOYEE BENEFITS I3 Filed as: ANDERSON & KIME EMPLOYEE BENEF | PO BOX 507 212 MAIN STREET RIDGWAY, PA 15853 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.50% |
| THE BERT COMPANY3 Filed as: THE BERT COMPANY DBA | 800 NORTH STATE STREET SUITE 200 ERIE, PA 16501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $167 | $14 | $181 | 1.31% |
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. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 105 | $1.1M |
| Dental | HIGHMARK INC. | 105 | $1.1M |
| Vision | HIGHMARK INC. | 105 | $1.1M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $84K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $70K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $70K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $84K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.