| 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 | $3K | — | $3K | 2.75% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.23% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY INC | 922 PHILADELPHIA ST INDIANA, PA 15701 | VISION BENEFITS OF AMERICA | $833 | — | $833 | 3.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $684 | $3K | 19.21% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $561 | $2K | 14.69% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $459 | $1K | 14.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 INSURANCE COMPANY | Insurance services Service code 23 | 120 5TH AVE 2015 PITTSBURGH, PA 15222 | $7K |
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 | 180 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC | 141 | $2.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 148 | $109K |
| Vision | VISION BENEFITS OF AMERICA | 145 | $28K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $45K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $16K |
| Prescription drug | HIGHMARK, INC | 141 | $2.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.