| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUGENE J. ROSSI3 | 201 EAST COMMERCE STREET STE 337 YOUNGSTOWN, OH 44503 | GUARDIAN LIFE INSURACE CO. OF AMERICA | — | — | $0 | 0.00% |
| EUGENE J. ROSSI3 | 701 FAIRWAY DRIVE NE WARREN, OH 44483 | GUARDIAN LIFE INSURACE CO. OF AMERICA | $13K | $6K | $19K | 9.05% |
| EUGENE J. ROSSI | 201 EAST COMMERCE STREET STE 337 YOUNGSTOWN, OH 44503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 3.12% |
| EUGENE J. ROSSI | 201 EAST COMMERCE STREET STE 337 YOUNGSTOWN, OH 44503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.68% |
| EUGENE J. ROSSI3 | 201 EAST COMMERCE STREET STE 337 WARREN, OH 44483 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $259 | — | $259 | 3.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Direct payment from the plan; Float revenue; Other fees; Claims processing Service code 12 | — | $452K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $91K |
| E.J. ROSSI & COMPANY EIN 27-7541595 BROKER | Other commissions Service code 55 | 201 E. COMMERCE STREET SUITE 33 YOUNGSTOWN, OH 44503 | $42K |
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 | 348 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURACE CO. OF AMERICA | 348 | $213K |
| Vision | GUARDIAN LIFE INSURACE CO. OF AMERICA | 348 | $213K |
| Life insurance | GUARDIAN LIFE INSURACE CO. OF AMERICA | 348 | $213K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURACE CO. OF AMERICA | 348 | $366K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURACE CO. OF AMERICA | 348 | $257K |
| Stop-loss / reinsurancereinsurance | GUARDIAN LIFE INSURACE CO. OF AMERICA | 232 | $278K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURACE CO. OF AMERICA | 348 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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."
No prospect flags tripped on this filing.