| 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. | $112K | — | $112K | 10.00% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $966 | $3K | 2.01% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $721 | $13K | 10.58% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $407 | $407 | 0.34% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $649 | $6K | 5.18% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $458 | $12K | 15.59% |
| GW FINANCIAL LLC3 | 281 MAIN STREET READING, MA 01867 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $389 | $5K | 7.31% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | PO BOX 449 INDIANA, PA 15701 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 6.48% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 2.64% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $149 | $149 | 0.23% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $335 | $9K | 15.58% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | PROVIDENT LIFE & ACCIDENT IN CO | $2K | — | $2K | 3.79% |
| C H REAMS & ASSOCIATES INC3 Filed as: CH REAMS & ASSOCIATES, INC | 401 CRANBERRY ST STE 100 ERIE, PA 16507 | PROVIDENT LIFE & ACCIDENT IN CO | $812 | — | $812 | 2.04% |
| GW FINANCIAL LLC3 | 281 MAIN STREET READING, MA 01867 | PROVIDENT LIFE & ACCIDENT IN CO | $11 | $2 | $13 | 0.03% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT IN CO | $0 | $2 | $2 | 0.01% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $252 | $252 | 0.66% |
| RESCHINI AGENCY INC3 | PO BOX 449 INDIANA, PA 15701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.27% |
| 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 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 6.28% |
| DAVID GAGNON3 | 281 MAIN STREET READING, MA 01867 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 4.41% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $981 | $981 | 4.06% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $38 | $38 | 0.16% |
| 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 | $300 | — | $300 | 2.87% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA ST INDIANA, PA 15701 | PROVIDENT LIFE & ACCIDENT INS CO | $225 | — | $225 | 2.15% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | PROVIDENT LIFE & ACCIDENT CO | $310 | — | $310 | 3.26% |
| CHARLES REAMS3 | 401 CRANBERRY ST STE 100 ERIE, PA 16507 | PROVIDENT LIFE & ACCIDENT CO | $113 | — | $113 | 1.19% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | PO BOX 449 INDIANA, PA 15701 | THE HARTFORD/HARTFORD LIFE AND ACCIDENT | $113K | — | $113K | 1500.00% |
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 | 734 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 679 | $38K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 680 | $118K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 734 | $288K |
| Long-term disability(6 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 734 | $259K |
| Stop-loss / reinsurancereinsurance | HM LIFE INS. CO. | 589 | $1.1M |
| Other(6 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 517 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 734 | — |
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.