| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN R. BURGERT3 | 100 STATE ST STE 300 ERIE, PA 16507 | HIGHMARK INC. | $30K | — | $30K | 1.90% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 WEST 6TH STREET ERIE, PA 16507 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 8.12% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | HARTFORD LIFE AND ACCIDENT | $0 | $732 | $732 | 0.82% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 W 6TH ST ERIE, PA 16507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 10.33% |
| MARILYN WYMAN3 Filed as: MARILYN LEE WYMAN | 3309 VACATION LANE SAINT JAMES, FL 161013203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.50% |
| LISA M BECK3 | 10717 WESTVIEW AVE MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.50% |
| SMITH BENEFITS CONSULTING GROUP3 Filed as: SMITH BENEFITS CONSULTING GROUP LLC | 243 TAMARACK DR SUITE 230 MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $720 | — | $720 | 0.95% |
| KARGES BENEFITS CONSULT GROUP LLC3 Filed as: KARGES BENEFITS CONSULTING GROUP | 2427 BUFFALO RD ERIE, PA 16510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $527 | — | $527 | 0.70% |
| STEPHANIE V BOOMGAARDEN3 | 207 LAKELAND DR EDINBORO, PA 16412 | CONTINENTAL AMERICAN INSURANCE COMPANY | $189 | — | $189 | 0.25% |
| RAINA TOKAR3 Filed as: RAINA MARIE TOKAR | 15 IMPERIAL DRIVE GREENVILLE, PA 16125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | — | $174 | 0.23% |
| LORI L CLARK3 Filed as: LORI LEE CLARK | 11581 COTTON RD MEADVILLE, PA 16335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | — | $134 | 0.18% |
| MYKA LEANNA DAVIS3 | 3865 MOREFIELD RD HERMITAGE, PA 16148 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | — | $104 | 0.14% |
| DRAYKE KARGES3 | 2427 BUFFALO RD FL 1 ERIE, PA 165101417 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.13% |
| PATRICK PREISEL3 Filed as: PATRICK J PREISEL | 806 YOUNG ST NEW CASTLE, PA 16101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.07% |
| AMANDA STEIN3 Filed as: AMANDA D STEIN | 57 PICKERING ST BROOKVILLE, PA 158251927 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.06% |
| TRAVIS ALBERT LING3 | 243 TAMARACK DR MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.06% |
| DOUGLAS KAMPER3 Filed as: DOUGLAS RICHARD KAMPER | 624 SUISMON ST PITTSBURGH, PA 152124927 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| PEGGY LYNN STORMER3 Filed as: PEGGY L STORMER | 244 MCANINCH RD BROOKVILLE, PA 15825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 146 | $1.6M |
| Dental | HIGHMARK INC. | 146 | $1.6M |
| Vision | CONTINENTAL AMERICAN INSURANCE COMPANY | 121 | $76K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 142 | $89K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 142 | $165K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 142 | $89K |
| Prescription drug | HIGHMARK INC. | 146 | $1.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 142 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.