| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | 922 PHILADELPHIA STREET LAUREL PLACE PO BOX 449 INDIANA, PA 15701 | HM LIFE INSURANCE COMPANY | $315K | — | $315K | 10.00% |
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA ST INDIANA, PA 15701 | LIBERTY LIFE ASSURANCE CO OF BOSTON | $66K | $36K | $102K | 6.42% |
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA ST INDIANA, PA 15701 | LIBERTY LIFE ASSURANCE CO OF BOSTON | $50K | $27K | $78K | 6.43% |
| THE MCCLAIN GROUP LLC3 | 526 SCAIFE RD SEWICKLY HTS, PA 15143 | TRUSTMARK INSURANCE COMPANY | $43K | — | $43K | 8.81% |
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA STREET INDIANA, PA 15701 | TRUSTMARK INSURANCE COMPANY | $24K | — | $24K | 4.84% |
| PHILIP C LOPEZ5 | 1204 ROCKY TOP CIRCLE MACEDONIA, OH 44056 | GUARDIAN LIFE INSURANCE COMPANY | $21K | — | $21K | 10.10% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $5K | $17K | $22K | 12.46% |
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA ST LAUREL PLACE INDIANA, PA 15701 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 2.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.61% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $746 | $1K | $2K | 9.15% |
| SEIBERT KECK INSURANCE AGENCY5 Filed as: SEIBERT-KECK INSURANCE AGENCY INC | 2950 WEST MARKET STREET AKRON, OH 443333600 | FEDERAL INSURANCE COMPANY A CHUBB COMPANY | $2K | — | $2K | 15.00% |
| SEIBERT KECK INSURANCE AGENCY5 Filed as: SEIBERT-KECK INSURANCE AGENCY INC | 2950 WEST MARKET AKRON, OH 443333600 | FEDERAL INSURANCE COMPANY A CHUBB COMPANY | $150 | — | $150 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL EIN 34-1922587 CLAIMS PROCESSING | Claims processing Service code 12 | 17800 ROYALTON ROAD STRONGSVILLE, OH 441365149 | $1.5M |
| LIBERTY LIFE ASSURANCE CO OF BOSTON EIN 04-6076039 CLAIMS PROCESSING | Claims processing Service code 12 | GROUP BENEFITS CAROL STREAM, IL 601322658 | $262K |
| CVS PHARMACY INC CAREMARK EIN 05-0340626 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 840336 DALLAS, TX 75284 | $147K |
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 | 5,794 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,066 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,860 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRUSTMARK INSURANCE COMPANY | 1,184 | $488K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 4,599 | $210K |
| Vision(2 contracts) | EYEMED VISION CARE | 7,727 | $537K |
| Life insurance(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE CO OF BOSTON | 5,269 | $1.9M |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE CO OF BOSTON | 5,000 | $1.8M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 4,079 | $3.2M |
| Other(5 contracts, 4 carriers) | LIBERTY LIFE ASSURANCE CO OF BOSTON | 5,269 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,727 | — |
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.