| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATION | 2000 OXFORD DRIVE SUITE 520 BETHEL PARK, PA 15102 | DELTA DENTAL OF PA | $8K | — | $8K | 4.10% |
| WELLS FARGO INSURANCE SERVICES3 | 4900 RITTER ROAD SUITE 250 MECHANICSBURG, PA 17055 | DELTA DENTAL OF PA | $6K | — | $6K | 2.90% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 601478 CHARLOTTE, NC 282601478 | PRUDENTIAL INSURANCE COMPANY | $8K | $168 | $8K | 5.74% |
| RESCHINI AGENCY INC3 Filed as: THE RESCHINI AGENCY | 922 PHILADELPHIA STREET INDIANA, PA 15701 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 3.00% |
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 | 551 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 882 | $3.7M |
| Dental | DELTA DENTAL OF PA | 328 | $197K |
| Vision | VISION BENEFITS OF AMERICA | 427 | $88K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY | 551 | $135K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY | 551 | $135K |
| Prescription drug | HIGHMARK | 882 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 882 | — |
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 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.