| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA STREET INDIANA, PA 15701 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $84 | $21K | 6.11% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 12.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 2.00% |
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA STREET INDIANA, PA 15701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 12.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 2.00% |
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA STREET 3RD FLOOR LAUREL PLACE INDIANA, PA 15701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 12.00% |
| NATIONAL BENEFITS CENTER LLC3 Filed as: NATIONAL BENEFITS CENTER | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 2.00% |
| RESCHINI AGENCY INC3 Filed as: THE RESCHINI AGENCY INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | VISION BENEFITS OF AMERICA | $4K | — | $4K | 5.00% |
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA STREET INDIANA, PA 15701 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $84 | $8K | 20.05% |
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA STREET INDIANA, PA 15701 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $84 | $5K | 20.75% |
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA STREET INDIANA, PA 15701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $759 | — | $759 | 11.99% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $127 | $127 | 2.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 CLAIMS PROCESSING | Claims processing Service code 12 | — | -$286K |
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 | 586 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 173 | $67K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 954 | $348K |
| Vision | VISION BENEFITS OF AMERICA | 456 | $72K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 586 | $181K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 237 | $122K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 167 | $126K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 586 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 954 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.