| 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. | $97K | — | $97K | 10.00% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.55% |
| 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 | — | $142 | $142 | 0.12% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.01% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.19% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| GW FINANCIAL LLC3 | 281 MAIN STREET READING, MA 01867 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $6K | 9.75% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | PO BOX 449 INDIANA, PA 15701 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $54 | $4K | 7.68% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 2.52% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | PROVIDENT LIFE & ACCIDENT IN CO | $2K | — | $2K | 3.72% |
| C H REAMS & ASSOCIATES INC3 Filed as: CH REAMS & ASSOCIATES, INC | 401 CRANBERRY ST STE 100 ERIE, PA 16507 | PROVIDENT LIFE & ACCIDENT IN CO | $1K | — | $1K | 2.46% |
| GW FINANCIAL LLC3 | 281 MAIN STREET READING, MA 01867 | PROVIDENT LIFE & ACCIDENT IN CO | $9 | $4 | $13 | 0.03% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT IN CO | — | $1 | $1 | 0.00% |
| RESCHINI AGENCY INC3 | PO BOX 449 INDIANA, PA 15701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.95% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $86 | $86 | 0.23% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $69 | $2K | 8.57% |
| DAVID GAGNON3 | 281 MAIN STREET READING, MA 01867 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 6.60% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $569 | $569 | 2.64% |
| 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 | $336 | — | $336 | 3.11% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA ST INDIANA, PA 15701 | PROVIDENT LIFE & ACCIDENT INS CO | $256 | — | $256 | 2.37% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | PROVIDENT LIFE & ACCIDENT CO | $366 | — | $366 | 3.44% |
| CHARLES REAMS3 | 401 CRANBERRY ST STE 100 ERIE, PA 16507 | PROVIDENT LIFE & ACCIDENT CO | $133 | — | $133 | 1.25% |
| DAVID GAGNON3 Filed as: DAVID J GAGNON | 281 MAIN STREET READING, MA 01867 | PROVIDENT LIFE & ACCIDENT CO | $1 | — | $1 | 0.01% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT CO | — | $1 | $1 | 0.01% |
| 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 | 563 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 669 | $37K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 661 | $120K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 737 | $247K |
| Long-term disability(6 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 733 | $240K |
| Stop-loss / reinsurancereinsurance | HM LIFE INS. CO. | 575 | $974K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 517 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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.
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.