| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | HM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | C/O PREMIUM TRUST DEPT 2027 P.O. BOX 29675 PHOENIX, AZ 85038 | HM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY INC. | 3537 WEST 12TH STREET ERIE, PA 16505 | HIGHMARK INC. | $18K | $7K | $24K | 16.53% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY INC. | 3537 WEST 12TH STREET ERIE, PA 16505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $7K | 9.14% |
| ALLIED BENEFIT SYSTEMS, LLC5 Filed as: ALLIED BENEFIT SYSTEMS, INC. | 200 WEST ADAMS STREET SUITE 500 CHICAGO, IL 60606 | HCC LIFE INSURANCE COMPANY | — | $10K | $10K | 15.11% |
| BARTLETT INSURANCE GROUP LLC3 | 804 WEST BARTLETT ROAD BARTLETT, IL 60103 | HCC LIFE INSURANCE COMPANY | $7K | — | $7K | 11.11% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY INC. | 3537 WEST 12TH STREET ERIE, PA 16505 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 4.35% |
| BARTLETT INSURANCE GROUP LLC3 | 804 WEST BARTLETT ROAD BARTLETT, IL 60103 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 12.44% |
| BARTLETT INSURANCE GROUP LLC3 | 804 WEST BARTLETT ROAD BARTLETT, IL 60103 | DELTA DENTAL OF ILLINOIS | $1K | — | $1K | 8.29% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 89 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 251 | $148K |
| Dental | DELTA DENTAL OF ILLINOIS | 276 | $17K |
| Vision | VISION BENEFITS OF AMERICA | 271 | $29K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 455 | $74K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 143 | $25K |
| Prescription drug | HIGHMARK INC. | 251 | $148K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 251 | $227K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 455 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.