| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY | 3537 W 12TH ST ERIE, PA 16505 | HIGHMARK INC | $53K | — | $53K | 1.88% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 W 12TH STREET ERIE, PA 16505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 10.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 W 12TH STREET ERIE, PA 16505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL SCHAAF INSURANCE AGENCY INC | 3537 W 12TH STREET ERIE, PA 16505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $675 | — | $675 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED CONCORDIA COMPANIES, INC EIN 25-1687586 NONE | Contract Administrator Service code 13 | 4401 DEER PATH ROAD HARRISBURG, PA 17110 | $29K |
| HIGHMARK, INC. EIN 23-1294723 NONE | Contract Administrator; Other fees Service code 13 | 120 FIFTH AVENUE PITTSBURGH, PA 15222 | -$26K |
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 | 424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 424 | $2.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 424 | $93K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 62 | $12K |
| Prescription drug | HIGHMARK INC | 424 | $2.8M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 424 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.