| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | HM LIFE INS. CO. | $129K | — | $129K | 10.00% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.38% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.53% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| GW FINANCIAL LLC3 | 281 MAIN STREET READING, MA 01867 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $374 | $5K | 7.00% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | PO BOX 449 INDIANA, PA 15701 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 6.05% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 2.32% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $322 | $322 | 0.48% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | PROVIDENT LIFE & ACCIDENT IN CO | $1K | $2 | $1K | 2.90% |
| C H REAMS & ASSOCIATES INC3 Filed as: CH REAMS & ASSOCIATES, INC | 401 CRANBERRY ST STE 100 ERIE, PA 16507 | PROVIDENT LIFE & ACCIDENT IN CO | $704 | $51 | $755 | 2.06% |
| GW FINANCIAL LLC3 | 281 MAIN STREET READING, MA 01867 | PROVIDENT LIFE & ACCIDENT IN CO | $4 | — | $4 | 0.01% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT IN CO | — | $2 | $2 | 0.01% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| RESCHINI AGENCY INC3 | PO BOX 449 INDIANA, PA 15701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.81% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 5.62% |
| DAVID GAGNON3 | 281 MAIN STREET READING, MA 01867 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $936 | — | $936 | 3.90% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $534 | $534 | 2.22% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $81 | $81 | 0.34% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | PROVIDENT LIFE & ACCIDENT CO | $223 | — | $223 | 2.37% |
| CHARLES REAMS3 | 401 CRANBERRY ST STE 100 ERIE, PA 16507 | PROVIDENT LIFE & ACCIDENT CO | $113 | — | $113 | 1.20% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES, INC | 401 CRANBERRY ST STE 100 ERIE, PA 16507 | PROVIDENT LIFE & ACCIDENT INS CO | $124 | — | $124 | 3.57% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA ST INDIANA, PA 15701 | PROVIDENT LIFE & ACCIDENT INS CO | $23 | — | $23 | 0.66% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | PO BOX 449 INDIANA, PA 15701 | THE HARTFORD/HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | — |
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 | 884 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 898 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 799 | $40K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 757 | $115K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 884 | $287K |
| Long-term disability(6 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 884 | $252K |
| Stop-loss / reinsurancereinsurance | HM LIFE INS. CO. | 736 | $1.3M |
| Other(6 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 950 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 950 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.