| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY INC | 922 PHILADELPHIA ST INDIANA, PA 15701 | UNITED CONCORDIA INSURANCE COMPANY | $4K | — | $4K | 3.26% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.48% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY INC | 922 PHILADELPHIA ST INDIANA, PA 15701 | VISION BENEFITS OF AMERICA | $894 | — | $894 | 3.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $533 | $3K | 18.48% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $457 | $2K | 13.66% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $366 | $1K | 13.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 INSURANCE COMPANY | Insurance services Service code 23 | 120 5TH AVE 2015 PITTSBURGH, PA 15222 | $15K |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC | 142 | $2.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 150 | $116K |
| Vision | VISION BENEFITS OF AMERICA | 147 | $30K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $44K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $15K |
| Prescription drug | HIGHMARK, INC | 142 | $2.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.