| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRISSSORA & ASSOCIATES LLC3 | 103 BRADFORD ROAD SUITE 105 WEXFORD, PA 15090 | SYMETRA LIFE INSURANCE COMPANY | $0 | $11K | $11K | 3.77% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $1K | $0 | $1K | 1.33% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.08% |
| FRISSSORA & ASSOCIATES LLC3 | 103 BRADFORD ROAD SUITE 105 WEXFORD, PA 15090 | HCC LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | VISION BENEFITS OF AMERICA | $826 | $2K | $2K | 13.10% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.19% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | GUARDIAN | $3K | $0 | $3K | 16.92% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| LOESEL-SCHAAF INSURANCE AGENCY INC3 Filed as: LOESEL-SCHAAF INSURANCE AGENCY | 3537 WEST 12TH STREET ERIE, PA 16505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $224 | $0 | $224 | 14.97% |
| FRISSSORA & ASSOCIATES LLC3 | 103 BRADFORD ROAD SUITE 105 WEXFORD, PA 15090 | MERITAIN HEALTH | $63K | $53K | $116K | — |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 104 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 222 | $126K |
| Dental | GUARDIAN | 250 | $16K |
| Vision(2 contracts, 2 carriers) | VISION BENEFITS OF AMERICA | 253 | $35K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 374 | $100K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 129 | $15K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 222 | $90K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 222 | $286K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 374 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.