| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | PO BOX 449 INDIANA, PA 15701 | STANDARD INSURANCE COMPANY | $149K | — | $149K | 5.42% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVE SUITE 3 PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $104K | $15K | $118K | 4.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVE OF AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | — | $14K | $14K | 0.50% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC. | 922 PHILADELPHIA STREET INDIANA, PA 15701 | UNITED CONCORDIA INSURANCE COMPANY | $42K | — | $42K | 2.96% |
| 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 | 2,841 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 6,095 | $1.4M |
| Vision | HM LIFE INSURANCE COMPANY | 5,176 | $513K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,639 | $2.7M |
| Short-term disability | STANDARD INSURANCE COMPANY | 2,639 | $2.7M |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,639 | $2.7M |
| Other | STANDARD INSURANCE COMPANY | 2,639 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,095 | — |
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.