| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MCCLAIN GROUP LLC3 Filed as: MCCLAIN GROUP LLC | 526 SCAIFE ROAD SEWICKLEY, PA 151439464 | RELIASTAR LIFE INSURANCE COMPANY | $150K | — | $150K | 22.11% |
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA STREET INDIANA, PA 15701 | RELIASTAR LIFE INSURANCE COMPANY | $103K | $18K | $121K | 17.92% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE SUITE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY | — | $7K | $7K | 1.05% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE SUITE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY | — | $956 | $956 | 0.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED CONCORDIA COMPANIES, INC EIN 25-1687586 NONE | Contract Administrator Service code 13 | — | $61K |
| HIGHMARK EIN 23-1294723 NONE | Contract Administrator Service code 13 | — | -$920K |
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 | 1,069 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 279 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 732 | $165K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,221 | $678K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,221 | $678K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,221 | $678K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,221 | $678K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,221 | — |
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.