| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY INC. | 3537 WEST 12TH STREET ERIE, PA 16505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $5K | 7.96% |
| ARACHAS GROUP LLC3 | P.O. BOX 8152 852 W. BARTLETT ROAD BARTLETT, IL 60103 | BLUECROSS BLUESHIELD OF ILLINOIS | $1K | $0 | $1K | 2.04% |
| BARTLETT INSURANCE GROUP LLC3 | P.O. BOX 8152 852 W. BARTLETT ROAD BARTLETT, IL 60103 | BLUECROSS BLUESHIELD OF ILLINOIS | $100 | $0 | $100 | 0.19% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY INC. | 3537 WEST 12TH STREET ERIE, PA 16505 | HIGHMARK, INC. | $34K | — | $34K | 79.55% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY INC. | 3537 WEST 12TH STREET ERIE, PA 16505 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 4.35% |
| BARTLETT INSURANCE GROUP LLC3 | 852 W. BARTLETT ROAD P.O. BOX 8152 BARTLETT, IL 60103 | UNION SECURITY INSURANCE COMPANY | $3K | $0 | $3K | 12.54% |
| ARACHAS GROUP LLC3 | P.O. BOX 8152 852 W. BARTLETT ROAD BARTLETT, IL 60103 | DELTA DENTAL OF ILLINOIS | $1K | $0 | $1K | 6.93% |
| BARTLETT INSURANCE GROUP LLC3 | P.O. BOX 8142 852 W. BARTLETT ROAD BARTLETT, IL 60103 | DELTA DENTAL OF ILLINOIS | $98 | — | $98 | 0.67% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 87 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 232 | $96K |
| Dental | DELTA DENTAL OF ILLINOIS | 255 | $15K |
| Vision | VISION BENEFITS OF AMERICA | 256 | $36K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 365 | $57K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 136 | $27K |
| Prescription drug | HIGHMARK, INC. | 232 | $42K |
| Stop-loss / reinsurancereinsurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 222 | $128K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 365 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.