| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 7.15% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 7.50% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $163 | $163 | 1.17% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $715 | — | $715 | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $67 | $67 | 0.94% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $701 | — | $701 | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $134 | $134 | 1.91% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $695 | — | $695 | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $89 | $89 | 1.28% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY | 922 PHLADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $433 | — | $433 | 10.01% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $120 | $120 | 2.77% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $105 | — | $105 | 10.05% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $14 | $14 | 1.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK, INC EIN 23-1294723 CONTRACTOR | Claims processing; Contract Administrator Service code 12 | — | $32K |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 138 | $59K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $21K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30 | $7K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 49 | $11K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.