| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS MCKIBBEN BONGIOVANNI | 100 STATE ST. #510 ERIE, PA 16507 | UPMC HEALTH OPTIONS | $19K | — | $19K | 2.95% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS MCKIBBEN BONGIOVANNI | 100 STATE ST. #510 ERIE, PA 16507 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 10.67% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS MCKIBBEN BONGIOVANNI | 100 STATE ST. #510 ERIE, PA 16507 | UPMC HEALTH OPTIONS | $3K | — | $3K | 2.93% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS MCKIBBEN BONGIOVANNI | 100 STATE ST. #510 ERIE, PA 16507 | UPMC HEALTH OPTIONS | $912 | — | $912 | 3.20% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS MCKIBBEN BONGIOVANNI | 100 STATE ST. #510 ERIE, PA 16507 | UPMC HEALTH OPTIONS | $337 | — | $337 | 2.97% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS MCKIBBEN BONGIOVANNI | 100 STATE ST. #510 ERIE, PA 16507 | UPMC HEALTH OPTIONS | $267 | — | $267 | 2.75% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS MCKIBBEN BONGIOVANNI | 100 STATE ST. #510 ERIE, PA 16507 | UPMC HEALTH OPTIONS | $243 | — | $243 | 2.70% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | UPMC HEALTH OPTIONS | 225 | $804K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 189 | $121K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 189 | $121K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 189 | $121K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 189 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.