| 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. | $82K | — | $82K | 10.00% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $7K | $8K | 8.14% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.13% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $3K | $9K | 8.24% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $562 | $562 | 0.54% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $5K | $14K | 15.94% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $873 | $873 | 0.99% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $5K | $9K | 11.91% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $786 | $786 | 0.99% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $3K | $12K | 20.77% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $547 | $547 | 0.97% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | 922 PHILADELPHIA STREET INDIANA, PA 15701 | PROVIDENT LIFE & ACCIDENT IN CO XXX081 | $5K | — | $5K | 10.25% |
| C H REAMS & ASSOCIATES INC3 | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | PROVIDENT LIFE & ACCIDENT IN CO XXX081 | $2K | — | $2K | 3.19% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.68% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $383 | $383 | 0.95% |
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA STREET INDIANA, PA 15701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.99% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 6.03% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $340 | $340 | 1.01% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | 922 PHILADELPHIA STREET INDIANA, PA 15701 | PROVIDENT LIFE & ACCIDENT INS CO XXX515 | $578 | — | $578 | 3.53% |
| C H REAMS & ASSOCIATES INC3 | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | PROVIDENT LIFE & ACCIDENT INS CO XXX515 | $475 | — | $475 | 2.90% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | 922 PHILADELPHIA STREET INDIANA, PA 15701 | PROVIDENT LIFE & ACCIDENT INS CO XXX115 | $925 | — | $925 | 7.72% |
| C H REAMS & ASSOCIATES INC3 | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | PROVIDENT LIFE & ACCIDENT INS CO XXX115 | $185 | — | $185 | 1.54% |
| RESCHINI AGENCY INC Filed as: RESCHINI AGENCY INC. | PO BOX 449 INDIANA, PA 15701 | THE HARTFORD/HARTFORD LIFE AND ACCIDENT | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $11K |
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 | 517 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 621 | $34K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 617 | $104K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 685 | $192K |
| Long-term disability(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 687 | $156K |
| Prescription drug | AETNA | 517 | $1.3M |
| Stop-loss / reinsurancereinsurance | HM LIFE INS. CO. | 517 | $815K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 517 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 687 | — |
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.