| 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 | $17K | $0 | $17K | 8.66% |
| EUGENE J. ROSSI3 | 201 EAST COMMERCE STREET STE 337 YOUNGSTOWN, OH 44503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| EUGENE J. ROSSI3 | 201 EAST COMMERCE STREET STE 337 YOUNGSTOWN, OH 44503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 SERVICE PROVIDER | Float revenue; Claims processing; Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $277K |
| PRINCIPAL LIFE INSURANCE COMPANY EIN 42-0127290 CONTRACT ADMINISTRATOR | Recordkeeping fees; Direct payment from the plan; Contract Administrator Service code 13 | — | $83K |
| AXA ADVISORS EIN 13-4071393 INVESTMENT ADVISORY | Investment advisory (plan); Other fees Service code 27 | — | $30K |
| WILLSHIRE ADVISORS LLC EIN 95-2755361 INVESTMENT ADVISORY | Investment advisory (plan); Other investment fees and expenses Service code 27 | — | $0 |
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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 285 | $195K |
| Vision | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 285 | $195K |
| Life insurance | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 285 | $195K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 285 | $302K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 285 | $234K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 192 | $396K |
| Other | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 285 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.