| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESCHINI AGENCY INC3 | 922 PHILA ST INDIANA, PA 15701 | HIGHMARK | $2K | — | $2K | 4.62% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD | $3K | — | $3K | 8.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD | $8K | — | $8K | 20.00% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIR PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $965 | $89 | $1K | 3.46% |
| DAVID E HAUCK3 | 2878 TREMONTE LANE ALLISON PARK, PA 15101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $534 | $5 | $539 | 1.77% |
| ARICK MARTIN3 | 427 S. MEADOWCRAFT AVE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $495 | $39 | $534 | 1.75% |
| RESCHINI AGENCY INC3 | PO BOX 449 INDIANA, PA 15701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $465 | — | $465 | 1.53% |
| LUCAS MICHAEL3 | 160 S BROAD STREET GROVE CITY, PA 16127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | — | $200 | 0.66% |
| JONATHAN ANDREW GRAESER3 | 160 S BROAD STREET GROVE CITY, PA 16127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | — | $200 | 0.66% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT ROAD JEANETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $6 | $14 | 0.05% |
| TAMMY A MORGART3 | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| KATI NAIRN3 | 114 JAMES DR BEAVER, PA 15009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| RESCHINI AGENCY INC3 | 922 PHILA ST INDIANA, PA 15701 | DELTA DENTAL OF PENNSYLVANIA | $3K | — | $3K | — |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD | $5K | — | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 | Plan Administrator Service code 14 | — | $14K |
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 | 747 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 875 | $0 |
| Vision | HIGHMARK | 712 | $48K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD | 747 | $71K |
| Short-term disability | RELIANCE STANDARD | 747 | $0 |
| Long-term disability | RELIANCE STANDARD | 747 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 875 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.