No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DAVE DITZEL EMPLOYEE | Employee (plan sponsor) Service code 35 | BROTHERHOOD OF LOCOMOTIVE ENGINEERS 7061 EAST PLEASANT VALLEY ROAD INDEPENDENCE, OH 44131 | $184K |
| ML, PIERCE, FENNER AND SMITH EIN 13-5674085 | Investment management Service code 28 | — | $68K |
| JESSICA COLEMAN EMPLOYEE | Employee (plan sponsor) Service code 35 | BROTHERHOOD OF LOCOMOTIVE ENGINEERS 7061 EAST PLEASANT VALLEY ROAD INDEPENDENCE, OH 44131 | $17K |
| HARRY VOLPE EMPLOYEE | Employee (plan sponsor) Service code 35 | BROTHERHOOD OF LOCOMOTIVE ENGINEERS 7061 EAST PLEASANT VALLEY ROAD INDEPENDENCE, OH 44131 | $16K |
| CIUNI & PANICHI, INC. EIN 34-1322309 | Accounting (including auditing) Service code 10 | — | $12K |
| OSWALD | Insurance agents and brokers Service code 22 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 441141715 | $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 | 12,845 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 12,845 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 12,845 | $5.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 12,845 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,845 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.