| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC. | 922 PHILADELPHIA STREET LAUREL PL PO BOX 449 INDIANA, PA 15701 | HIGHMARK, INC. | — | $81K | $81K | 1.84% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC. | 922 PHILADELPHIA STREET LAUREL PL PO BOX 449 INDIANA, PA 15701 | RELIASTAR LIFE INSURANCE COMPANY | $17K | — | $17K | 8.42% |
| THE MCCLAIN GROUP LLC3 Filed as: THE MCCLAIN GROUP, LLC | 526 SCAIFE ROAD SEWICKLEY, PA 15143 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 2.84% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY | 922 PHILADELPHIA STREET LAUREL PL PO BOX 449 INDIANA, PA 15701 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC. | 922 PHILADELPHIA STREET LAUREL PL PO BOX 449 INDIANA, PA 15701 | HIGHMARK LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK, INC. EIN 23-1294723 INSURANCE CARRIER | Claims processing Service code 12 | 120 FIFTH AVENUE SUITE 2015 PITTSBURGH, PA 15222 | $53K |
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 | 675 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 675 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 675 | $4.4M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 794 | $0 |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 816 | $92K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 477 | $207K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 477 | $207K |
| Prescription drug | HIGHMARK, INC. | 675 | $4.4M |
| Stop-loss / reinsurancereinsurance(2 contracts) | HIGHMARK LIFE INSURANCE COMPANY | 130 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 816 | — |
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."
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.