| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS, MCKIBBEN & CO. | 105 W 6TH STREET ERIE, PA 16507 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | — | $35K | 7.33% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS, MCKIBBEN & CO. | 305 W 6TH STREET ERIE, PA 16507 | HIGHMARK INC | $453 | — | $453 | 3.08% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS, MCKIBBEN & CO. | 305 W 6TH STREET ERIE, PA 16507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.47% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS, MCKIBBEN & CO. | 305 W 6TH STREET ERIE, PA 16507 | EMPLOYEE SERVICES LLC | $507 | — | $507 | 5.00% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS, MCKIBBEN & CO. | 305 W 6TH STREET ERIE, PA 16507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $715 | — | $715 | 10.00% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS, MCKIBBEN & CO. | 305 W 6TH STREET ERIE, PA 16507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $198 | — | $198 | 9.96% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS, MCKIBBEN & CO. | 305 W 6TH STREET ERIE, PA 16507 | HARTFORD LIFE AND ACCIDENT | $112 | — | $112 | 14.93% |
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 | 363 | 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) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 134 | $483K |
| Dental | UNITED CONCORDIA COMPANIES | 290 | $0 |
| Vision | HIGHMARK INC | 290 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $7K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $3K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $13K |
| Other(3 contracts, 3 carriers) | EMPLOYEE SERVICES LLC | 363 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.