| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | 922 PHILADELPHIA STREET PO BOX 449 INDIANA, PA 15701 | HM LIFE INS. CO. | $63K | — | $63K | 10.00% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | PO BOX 449 INDIANA, PA 15701 | GUARDIAN | $35K | — | $35K | 8.60% |
| DAILYFEATS INC.0 Filed as: DAILYFEATS INC | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | GUARDIAN | $27K | — | $27K | 6.50% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | PO BOX 449 INDIANA, PA 15701 | PROVIDENT LIFE & ACCIDENT IN CO XXX081 | $6K | — | $6K | 14.60% |
| C H REAMS & ASSOCIATES INC3 | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | PROVIDENT LIFE & ACCIDENT IN CO XXX081 | $2K | — | $2K | 5.42% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | PO BOX 449 922 PHILADELPHIA STREET INDIANA, PA 15701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| C H REAMS & ASSOCIATES INC3 | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | PROVIDENT LIFE & ACCIDENT INS CO XXX515 | $2K | — | $2K | 10.45% |
| RESCHINI AGENCY INC3 | PO BOX 449 INDIANA, PA 15701 | PROVIDENT LIFE & ACCIDENT INS CO XXX515 | $624 | — | $624 | 3.85% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | PO BOX 449 INDIANA, PA 15701 | PROVIDENT LIFE & ACCIDENT INS CO XXX115 | $2K | — | $2K | 14.30% |
| C H REAMS & ASSOCIATES INC3 | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | PROVIDENT LIFE & ACCIDENT INS CO XXX115 | $350 | — | $350 | 3.24% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | 1 FOUNTAIN SKQUARE CHATANOOA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $933 | — | $933 | 10.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $159K |
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 | 572 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 572 | $410K |
| Vision | GUARDIAN | 572 | $410K |
| Life insurance | GUARDIAN | 572 | $410K |
| Short-term disability | GUARDIAN | 572 | $410K |
| Long-term disability(4 contracts, 4 carriers) | GUARDIAN | 572 | $480K |
| Prescription drug | AETNA | 448 | $969K |
| Stop-loss / reinsurancereinsurance | HM LIFE INS. CO. | 456 | $627K |
| Other(4 contracts, 3 carriers) | GUARDIAN | 572 | $440K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 572 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.