| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LILLIS MCKIBBEN BONGIOVANNI AND CO.3 Filed as: LILLIS MCKIBBEN, BONGIOVANNI AND CO | 305 W 6TH STREET ERIE, PA 165071244 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 4.39% |
| LILLIS MCKIBBEN BONGIOVANNI AND CO.3 Filed as: LILLIS MCKIBBEN, BONGIOVANNI AND CO | 100 STATE ST STE 510 ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| LILLIS MCKIBBEN BONGIOVANNI AND CO.3 Filed as: LILLIS MCKIBBEN, BONGIOVANNI AND CO | 100 STATE ST STE 510 ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $467 | — | $467 | 9.99% |
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 | 117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 45 | $307K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $5K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.