| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY | 922 PHILADELPHIA ST. INDIANA, PA 15701 | UPMC | — | $29K | $29K | 0.72% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY | 922 PHILADELPHIA ST. INDIANA, PA 15701 | HIGHMARK INC. | — | $972 | $972 | 3.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UPMC HEALTH PLAN EIN 25-1769564 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 600 GRANT STREET PITTSBURGH, PA 15219 | $42K |
| RESCHINI AGENCY EIN 25-1368370 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 922 PHILADELPHIA ST. INDIANA, PA 15701 | $30K |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC | 582 | $4.1M |
| Dental | AETNA LIFE INSURANCE CO. | 444 | $127K |
| Vision | HIGHMARK INC. | 530 | $32K |
| Prescription drug(2 contracts, 2 carriers) | UPMC | 582 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.