| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESCHINI AGENCY INC3 | PO BOX 449 INDIANA, PA 15701 | AETNA | — | — | $0 | 0.00% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | PO BOX 449 INDIANA, PA 15701 | AETNA | — | — | $0 | 0.00% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | 922 PHILADELPHIA STREET PO BOX 449 INDIANA, PA 15701 | HM LIFE INS. CO. | $62K | — | $62K | 10.00% |
| C H REAMS & ASSOCIATES INC3 | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | HM LIFE INS. CO. | $25 | — | $25 | 0.00% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | PO BOX 449 922 PHILADELPHIA STREET INDIANA, PA 15701 | GUARDIAN | $27K | — | $27K | 7.89% |
| DAILYFEATS INC.0 Filed as: DAILYFEATS INC | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | GUARDIAN | $10K | — | $10K | 3.00% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | GUARDIAN | $2 | $3K | $3K | 0.84% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | PROVIDENT LIFE & ACCIDENT IN CO XXX081 | $4K | — | $4K | 12.21% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | PO BOX 449 INDIANA, PA 15701 | PROVIDENT LIFE & ACCIDENT IN CO XXX081 | $2K | — | $2K | 5.32% |
| RESCHINI AGENCY INC3 | PO BOX 449 INDIANA, PA 15701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.99% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | PROVIDENT LIFE & ACCIDENT INS CO XXX515 | $1K | — | $1K | 7.15% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | PO BOX 449 INDIANA, PA 15701 | PROVIDENT LIFE & ACCIDENT INS CO XXX515 | $581 | — | $581 | 3.31% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | PROVIDENT LIFE & ACCIDENT INS CO XXX115 | $595 | — | $595 | 7.01% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | PO BOX 449 INDIANA, PA 15701 | PROVIDENT LIFE & ACCIDENT INS CO XXX115 | $355 | — | $355 | 4.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $136K |
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 | 527 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 527 | $347K |
| Vision | GUARDIAN | 527 | $347K |
| Life insurance | GUARDIAN | 527 | $347K |
| Short-term disability | GUARDIAN | 527 | $347K |
| Long-term disability(4 contracts, 4 carriers) | GUARDIAN | 527 | $408K |
| Prescription drug | AETNA | 421 | $922K |
| Stop-loss / reinsurancereinsurance | HM LIFE INS. CO. | 421 | $619K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 542 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.