| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | HIGHMARK INC | $16K | — | $16K | 2.57% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | DELTA DENTAL OF PENNSYLVANIA | $3K | — | $3K | 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 | — | $35 | $35 | 0.27% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $815 | — | $815 | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18 | $18 | 0.22% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $769 | — | $769 | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18 | $18 | 0.23% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $753 | — | $753 | 10.01% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17 | $17 | 0.23% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY | 922 PHLADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $459 | — | $459 | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11 | $11 | 0.24% |
| RESCHINI AGENCY INC3 Filed as: THE RESCHINI AGENCY | 922 PHILADELPHIA STREET INDIANA, PA 15701 | VISION BENEFITS OF AMERICA | $134 | — | $134 | 3.01% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $97 | — | $97 | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3 | $3 | 0.31% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 152 | $626K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 151 | $34K |
| Vision | VISION BENEFITS OF AMERICA | 55 | $4K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $21K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 37 | $8K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 50 | $13K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.