| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | UNKNOWN STATE COLLEGE, PA 16803 | DELTA DENTAL OF PENNSYLVANIA | $29K | $0 | $29K | 6.10% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | UNKNOWN STATE COLLEGE, PA 16803 | DELTA DENTAL OF PENNSYLVANIA | $9K | $0 | $9K | 1.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $51K | $0 | $51K | 12.52% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32K | $12K | $44K | 10.92% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | UNKNOWN WESTBURY, NY 11590 | GEISINGER HEALTH PLAN | $12K | $6 | $12K | 6.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $4K | $0 | $4K | 4.13% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE, FLOOR 30 PITTSBURGH, PA 15222 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.87% |
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 | 1,685 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,690 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER HEALTH PLAN | 31 | $179K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,520 | $476K |
| Vision | VISION SERVICE PLAN | 944 | $94K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,484 | $405K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,484 | $405K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,484 | $405K |
| Prescription drug | GEISINGER HEALTH PLAN | 31 | $179K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,484 | $405K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,520 | — |
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.
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.