| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | ATTN DOUG LOESEL 3537 WEST 12TH ST ERIE, PA 16505 | HARTFORD LIFE AND ACCIDENT | $7K | $7K | $15K | 22.70% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 W 12TH STREET ERIE, PA 16505 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 8.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | 3537 W 12TH STREET ERIE, PA 16505 | VISION BENEFITS OF AMERICA | $545 | — | $545 | 7.01% |
| MANUFACTURER & BUSINESS ASSOCIATION3 Filed as: MANUFACTURER & BUSINESS ASSOC. INS. | 2171 WEST 38TH ST ERIE, PA 16505 | VISION BENEFITS OF AMERICA | $154 | — | $154 | 1.98% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 116 | $29K |
| Vision | VISION BENEFITS OF AMERICA | 71 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 102 | $65K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 102 | $65K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 102 | $65K |
| Other | HARTFORD LIFE AND ACCIDENT | 102 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.