| 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 | $21K | $9K | $29K | 12.16% |
| EUGENE J. ROSSI3 | 201 EAST COMMERCE STREET STE 337 YOUNGSTOWN, OH 44503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| EUGENE J. ROSSI3 | 201 EAST COMMERCE STREET STE 337 YOUNGSTOWN, OH 44503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 SERVICE PROVIDER | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $270K |
| EUGENE ROSSI | Insurance brokerage commissions and fees; Insurance agents and brokers; Non-monetary compensation; Other commissions Service code 22 | — | $33K |
| CHAD PHILLIPS | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | — | $10K |
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 | 308 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 308 | $241K |
| Vision | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 308 | $241K |
| Life insurance | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 308 | $241K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 308 | $360K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 350 | $283K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 205 | $367K |
| Other | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 308 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.