| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | HIGHMARK INC. | $28K | — | $28K | 2.98% |
| MERCER HEALTH AND BENEFITS, LLC3 | 333 S SEVENTH ST, #1400 MINNEAPOLIS, MN 55402 | HIGHMARK INC. | $389 | — | $389 | 0.04% |
| THE BERT COMPANY3 Filed as: BERT COMPANY | 800 STATE STREET SUITE 500 ERIE, PA 16501 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 11.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BERT COMPANY EIN 25-1753349 NONE | Insurance brokerage commissions and fees Service code 53 | — | $0 |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 96 | $939K |
| Dental | HIGHMARK INC. | 96 | $939K |
| Vision | HIGHMARK INC. | 96 | $939K |
| Life insurance | AETNA LIFE INSURANCE CO. | 114 | $35K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 114 | $35K |
| Prescription drug | HIGHMARK INC. | 96 | $939K |
| Other | AETNA LIFE INSURANCE CO. | 114 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.