| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD | $5K | $4K | $9K | 15.46% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD | $3K | $3K | $6K | 15.60% |
| RESCHINI AGENCY INC3 | 922 PHILA ST INDIANA, PA 15701 | HIGHMARK | $956 | — | $956 | 3.02% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD | $5K | $2K | $7K | 28.03% |
| TIMOTHY J SLATER3 | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $948 | $135 | $1K | 5.08% |
| RESCHINI AGENCY INC3 | PO BOX 449 INDIANA, PA 15701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $676 | — | $676 | 3.17% |
| BARBARA BAXTER DEJOHN3 | 1154 TIDEWOOD DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $527 | $77 | $604 | 2.83% |
| DAVID E HAUCK3 | 5125 SHORELINE WAY VERMILLION, OH 44089 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $349 | — | $349 | 1.64% |
| KATI NAIRN3 | 114 JAMES DR BEAVER, PA 15009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $263 | $5 | $268 | 1.26% |
| ARICK MARTIN3 | 427 S. MEADOWCRAFT AVE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $244 | $10 | $254 | 1.19% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIR HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | $13 | $126 | 0.59% |
| LUCAS MICHAEL3 | 160 S BROAD STREET GROVE CITY, PA 16127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.45% |
| JONATHAN ANDREW GRAESER3 | 160 S BROAD STREET GROVE CITY, PA 16127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.45% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE BEAVER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $11 | $28 | 0.13% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT ROAD JEANETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| TAMMY A MORGART3 | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DR WASHINGTON, PA 15301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.03% |
| CLARENCE D LEWIS LLC3 | 8631 STONEFACE ROAD CHARLOTTE, NC 28214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $3 | $166 | 3.52% |
| TIMOTHY J SLATER3 | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $5 | $99 | 2.10% |
| RESCHINI AGENCY INC3 | PO BOX 449 INDIANA, PA 48701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 1.93% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.89% |
| DAVID E HAUCK3 | 5125 SHORELINE WAY VERMILLION, OH 44089 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.74% |
| ARICK MARTIN3 | 427 S. MEADOWCRAFT AVE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.70% |
| KATI NAIRN3 | 114 JAMES DR BEAVER, PA 15009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $1 | $32 | 0.68% |
| DAVID MASON DOKELL3 | 159 BEACON DR MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $4 | $29 | 0.62% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT ROAD JEANETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.17% |
| LUCAS MICHAEL3 | 160 S BROAD STREET GROVE CITY, PA 16127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.11% |
| JONATHAN ANDREW GRAESER3 | 160 S BROAD STREET GROVE CITY, PA 16127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.11% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.04% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.04% |
| MCO PARTNERS LLC3 | 6 LATHROP AVE MADISON, NJ 07940 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.04% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIR PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $28 | $194 | 7.80% |
| RESCHINI AGENCY INC3 | PO BOX 449 INDIANA, PA 15701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | — | $144 | 5.79% |
| BARBARA BAXTER DEJOHN3 | 1154 TIDEWOOD DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $17 | $132 | 5.31% |
| DAVID E HAUCK3 | 2878 TREMONTE LANE ALLISON PARK, PA 15101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 2.05% |
| KATI NAIRN3 | 114 JAMES DR BEAVER, PA 15009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $1 | $49 | 1.97% |
| ARICK MARTIN3 | 427 S. MEADOWCRAFT AVE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 1.37% |
| LUCAS MICHAEL3 | 160 S BROAD STREET GROVE CITY, PA 16127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.44% |
| JONATHAN ANDREW GRAESER3 | 160 S BROAD STREET GROVE CITY, PA 16127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.44% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT ROAD JEANETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.16% |
| RESCHINI AGENCY INC3 | 922 PHILA ST INDIANA, PA 15701 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 | Plan Administrator Service code 14 | — | $6K |
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 | 513 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CROWN BENEFITS ADMINISTRATION | 273 | $3.6M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 513 | $0 |
| Vision | HIGHMARK | 436 | $32K |
| Life insurance(5 contracts, 2 carriers) | RELIANCE STANDARD | 473 | $112K |
| Short-term disability | RELIANCE STANDARD | 473 | $57K |
| Long-term disability | RELIANCE STANDARD | 473 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.