| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C H REAMS & ASSOCIATES INC3 | 401 CRANBERRY STREET SUITE 100 ERIE, PA 16507 | HM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.84% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | HM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | $8K | $0 | $8K | 10.86% |
| C H REAMS & ASSOCIATES INC3 | 401 CRANBERRY STREET SUITE 100 ERIE, PA 16507 | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 2.12% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.52% |
| C H REAMS & ASSOCIATES INC3 | 401 CRANBERRY STREET SUITE 100 ERIE, PA 16507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $485 | $0 | $485 | 1.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 INSURANCE CARRIER | Contract Administrator Service code 13 | — | $89K |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | 132 | $77K |
| Vision | HIGHMARK INC | 128 | $23K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 203 | $33K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 192 | $336K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 203 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.