| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESCHINI AGENCY INC3 | PO BOX 449 INDIANA, PA 15701 | STANDARD INSURANCE COMPANY | $131K | $13K | $144K | 5.51% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH STREET SUITE 3 PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $131K | — | $131K | 5.00% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | — | $26K | $26K | 1.00% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC. | 922 PHILADELPHIA STREET INDIANA, PA 15701 | UNITED CONCORDIA LIFE & HEALTH INS. COMPANY | $38K | — | $38K | 2.95% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC. | 922 PHILADELPHIA STREET INDIANA, PA 15701 | HM LIFE INSURANCE COMPANY | $10K | — | $10K | 2.00% |
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 | 2,745 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 146 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,891 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE & HEALTH INS. COMPANY | 5,994 | $1.3M |
| Vision | HM LIFE INSURANCE COMPANY | 5,403 | $512K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,222 | $2.6M |
| Short-term disability | STANDARD INSURANCE COMPANY | 3,222 | $2.6M |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,222 | $2.6M |
| Other | STANDARD INSURANCE COMPANY | 3,222 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,994 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.