| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | 922 PHILADELPHIA STREET LAUREL PLACE INDIANA, PA 15701 | HARTFORD LIFE AND ACCIDENT | $102K | — | $102K | 4.79% |
| CHILD HEALTH CORP OF AMERICA3 | 6803 WEST 64TH STREET SUITE 208 SHAWNEE, KS 66202 | HARTFORD LIFE AND ACCIDENT | $75K | $26K | $101K | 4.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $33K | $33K | 1.56% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | 922 PHILADELPHIA STREET LAUREL PLACE INDIANA, PA 15701 | HM LIFE INSURANCE COMPANY | $181K | — | $181K | 10.00% |
| THE MCCLAIN GROUP LLC3 | PO BOX 882 MCMURRAY, PA 15317 | TRUSTMARK INSURANCE COMPANY | $50K | — | $50K | 10.76% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | 922 PHILADELPHIA STREET INDIANA, PA 15701 | TRUSTMARK INSURANCE COMPANY | $28K | — | $28K | 5.94% |
| PHILIP C LOPEZ5 Filed as: PHILIP C. LOPEZ | 1204 ROCKY TOP CIRCLE MACEDONIA, OH 44056 | GUARDIAN LIFE INSURANCE COMPANY | $20K | — | $20K | 11.00% |
| CHILD HEALTH CORP OF AMERICA3 | 6803 WEST 64TH ST, SUITE 208 SHAWNEE MISSION, KS 66202 | HARTFORD LIFE AND ACCIDENT | $4K | $5K | $9K | 8.20% |
| SEIBERT KECK INSURANCE AGENCY5 Filed as: SEIBERT-KECK INSURANCE AGENCY INC | 2950 WEST MARKET STREET AKRON, OH 443333600 | CHUBB INSURANCE COMPANY | $2K | — | $2K | 15.30% |
| SEIBERT KECK INSURANCE AGENCY5 Filed as: SEIBERT-KECK INSURANCE AGENCY | 2950 WEST MARKET AKRON, OH 443333600 | CHUBB INSURANCE COMPANY | $153 | — | $153 | 15.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL EIN 34-1922587 CLAIMS PROCESSING | Claims processing Service code 12 | 17800 ROYALTON ROAD STRONGSVILLE, OH 441365149 | $1.4M |
| CAREMARK EIN 95-3382344 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 840336 DALLAS, TX 75284 | $131K |
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 | 5,455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,016 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRUSTMARK INSURANCE COMPANY | 1,265 | $463K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 4,352 | $178K |
| Vision(2 contracts) | EYEMED VISION CARE | 7,568 | $525K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,961 | $2.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,961 | $2.1M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 3,853 | $1.8M |
| Other(4 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 2,452 | $585K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,568 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.