| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA ST LAUREL PLACE INDIANA, PA 15701 | HM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA STREET INDIANA, PA 15701 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $19 | $19K | 3.47% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $17 | $11K | 2.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $4K | — | $4K | 1.98% |
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 | 1,205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 1,219 | $199K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,599 | $539K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,599 | $539K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,599 | $539K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,032 | $554K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,599 | $539K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,599 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.