| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INS AGENCY INC | 3537 WEST 12TH STREET ERIE, PA 16505 | HIGHMARK INC. | $35K | — | $35K | 4.10% |
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | HIGHMARK INC. | $10 | — | $10 | 0.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 | ATTN DOUG LOESEL 3537 WEST 12TH ST ERIE, PA 16505 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 15.46% |
| THE BERT COMPANY3 Filed as: BERT COMPANY | 800 STATE STREET SUITE 200 ERIE, PA 16501 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 133 | $851K |
| Dental | HIGHMARK INC. | 133 | $851K |
| Vision | HIGHMARK INC. | 133 | $851K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 173 | $28K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 173 | $28K |
| Prescription drug | HIGHMARK INC. | 133 | $851K |
| Other | HARTFORD LIFE AND ACCIDENT | 173 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.