| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUGENE J. ROSSI3 | 701 FAIRWAY DRIVE NE WARREN, OH 44483 | GUARDIAN LIFE INSURANCE CO. OF AMERICA | $24K | $7K | $31K | 10.91% |
| EUGENE J. ROSSI3 | 201 EAST COMMERCE STREET STE 337 YOUNGSTOWN, OH 44503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | — | $21K | 14.98% |
| EUGENE J. ROSSI3 | 201 EAST COMMERCE STREET STE 337 YOUNGSTOWN, OH 44503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 9.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Claims processing; Other services Service code 12 | — | $275K |
| EUGENE ROSSI | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | — | $37K |
| CHAD PHILLIPS | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | — | $9K |
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 | 359 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 359 | $285K |
| Vision | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 359 | $285K |
| Life insurance | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 359 | $285K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 359 | $428K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 359 | $336K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 242 | $393K |
| Other | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 359 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.