| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERV OF PA | 4900 RITTER ROAD SUITE 250 MECHANICSBURG, PA 17055 | DELTA DENTAL OF PA | $13K | — | $13K | 7.00% |
| RESCHINI AGENCY INC3 Filed as: THE RESCHINI AGENCY | 922 PHILADELPHIA STREET INDIANA, PA 15701 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 3.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERV | PO BOX 823237 PENNSYLVANIA LOCKBOX PHILADELPHIA, PA 19182 | CIGNA GROUP INSURANCE | $4K | $754 | $4K | 5.54% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERV | PO BOX 823237 PENNSYLVANIA LOCKBOX PHILADELPHIA, PA 19182 | CIGNA GROUP INSURANCE | $4K | $736 | $4K | 5.53% |
No Schedule C service providers reported on this filing.
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 | 573 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 878 | $3.9M |
| Dental | DELTA DENTAL OF PA | 37 | $185K |
| Vision | VISION BENEFITS OF AMERICA | 428 | $82K |
| Life insurance | CIGNA GROUP INSURANCE | 561 | $80K |
| Long-term disability | CIGNA GROUP INSURANCE | 561 | $79K |
| Prescription drug | HIGHMARK | 878 | $539K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 878 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.