| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST COMMONWEALTH INSURANCE AGENCY3 | 654 PHILADELPHIA STREET INDIANA, PA 15701 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $8K | $0 | $8K | 5.96% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $625 | $0 | $625 | 0.49% |
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA STREET INDIANA, PA 15701 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.49% |
| FIRST COMMONWEALTH INSURANCE AGENCY3 | 654 PHILADELPHIA STREET INDIANA, PA 15701 | HIGHMARK | $561 | $0 | $561 | 2.35% |
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA STREET INDIANA, PA 15701 | HIGHMARK | $45 | $0 | $45 | 0.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $118K |
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 | 314 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 417 | $127K |
| Vision | HIGHMARK | 324 | $24K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $54K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $54K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.