| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LILLIS MCKIBBEN BONGIOVANNI & CO3 Filed as: LILLIS MCKIBBEN & CO | 305 WEST 6TH STREET ERIE, PA 16507 | HIGHMARK INC. | $32K | — | $32K | 1.88% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 WEST 6TH STREET ERIE, PA 16507 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 7.86% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH ST ERIE, PA 16507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 10.33% |
| MARILYN WYMAN3 Filed as: MARILYN L WYMAN | 203 AIKEN RD NEW CASTLE, PA 16101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 4.95% |
| LISA M BECK3 | 10717 WESTVIEW AVE MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.14% |
| KARGES BENEFITS CONSULT GROUP LLC3 | 2427 BUFFALO RD ERIE, PA 16510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $629 | — | $629 | 0.75% |
| SMITH BENEFITS CONSULTING GROUP3 Filed as: SMITH BENEFITS CONSULTING GROUP LLC | 243 TAMARACK DR SUITE 230 MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $569 | — | $569 | 0.68% |
| STEPHANIE V BOOMGAARDEN3 | 207 LAKELAND DR EDINBORO, PA 16412 | CONTINENTAL AMERICAN INSURANCE COMPANY | $459 | — | $459 | 0.55% |
| RAINA TOKAR3 | 15 IMPERIAL DR GREENVILLE, PA 16125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $437 | — | $437 | 0.52% |
| MYKA LEANNA DAVIS3 Filed as: MYKA L DAVIS | 3865 MOREFIELD ROAD HERMITAGE, PA 16148 | CONTINENTAL AMERICAN INSURANCE COMPANY | $263 | — | $263 | 0.31% |
| LORI L CLARK3 | 11581 COTTON RD MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $229 | — | $229 | 0.27% |
| DRAYKE KARGES3 | 7750 BLAZY RD EDINBORO, PA 16412 | CONTINENTAL AMERICAN INSURANCE COMPANY | $202 | — | $202 | 0.24% |
| PATRICK PREISEL3 Filed as: PATRICK J PREISEL | 806 YOUNG ST NEW CASTLE, PA 16101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $153 | — | $153 | 0.18% |
| AMANDA STEIN3 | 1227 RHODES LN BROOKVILLE, PA 15825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.12% |
| TRAVIS ALBERT LING3 | 243 TAMARACK DRIVE MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | — | $87 | 0.10% |
| DOUGLAS KAMPER3 | 624 SUISMON STREET PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.03% |
| PEGGY LYNN STORMER3 Filed as: PEGGY L STORMER | 244 MCANNICH ROAD BROOKVILLE, PA 15825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.01% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 154 | $1.7M |
| Dental | HIGHMARK INC. | 154 | $1.7M |
| Vision | CONTINENTAL AMERICAN INSURANCE COMPANY | 189 | $84K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 152 | $129K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 189 | $212K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 152 | $129K |
| Prescription drug | HIGHMARK INC. | 154 | $1.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 152 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
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.