| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | HIGHMARK CASUALTY INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 W 12TH STREET ERIE, PA 16505 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 5.64% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 W 12TH STREET ERIE, PA 16505 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - 9430 | $2K | — | $2K | 10.66% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 W 12TH STREET ERIE, PA 16505 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - 0090 | $1K | — | $1K | 15.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LOESEL-SCHAAF INSRUANCE AGENCY | 3537 W 12TH STREET ERIE, PA 16505 | AMERICAN UNITED LIFE INSURANCE COMPANY | $832 | — | $832 | 15.01% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 WEST 12TH STREET ERIE, PA 16505 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - 2508 | $698 | — | $698 | 14.99% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY INC | 3537 W 12TH STREET ERIE, PA 16505 | AMERICAN UNITED LIFE INSURANCE COMPANY | $209 | — | $209 | 5.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LOESEL-SCHAAF INSURANCE AGENCY, INC EIN 25-1300138 NONE | Other fees; Contract Administrator Service code 13 | 3537 WEST 12TH STREET ERIE, PA 16506 | $259K |
| UNITED CONCORDIA COMPANIES, INC EIN 25-1687586 NONE | Contract Administrator Service code 13 | 4401 DEER PATH ROAD HARRISBURG, PA 17110 | $23K |
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 | 367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 109 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(5 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 487 | $91K |
| Long-term disability(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 230 | $15K |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE COMPANY | 362 | $171K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY - 9430 | 487 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.