| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA ST INDIANA, PA 15701 | LIBERTY LIFE ASSURANCE CO OF BOSTON | $0 | -$8K | -$8K | -0.47% |
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA ST INDIANA, PA 15701 | LIBERTY LIFE ASSURANCE CO OF BOSTON | — | -$6K | -$6K | -0.47% |
| THE MCCLAIN GROUP LLC3 | 526 SCAIFE RD SEWICKLY HTS, PA 15143 | TRUSTMARK INSURANCE COMPANY | $37K | — | $37K | 7.78% |
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA STREET INDIANA, PA 15701 | TRUSTMARK INSURANCE COMPANY | $12K | — | $12K | 2.60% |
| PHILIP C LOPEZ5 | 1204 ROCKY TOP CIRCLE MACEDONIA, OH 44056 | GUARDIAN LIFE INSURANCE COMPANY | $25K | — | $25K | 10.10% |
| 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 |
|---|---|---|---|
| CVS PHARMACY INC CAREMARK EIN 05-0340626 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 840336 DALLAS, TX 75284 | $14.7M |
| MEDICAL MUTUAL EIN 34-1922587 CLAIMS PROCESSING | Claims processing Service code 12 | 17800 ROYALTON RD STRONGSVILLE, OH 441365149 | $1.8M |
| LIBERTY LIFE ASSURANCE CO OF BOSTON EIN 04-6076039 CLAIMS PROCESSING | Claims processing Service code 12 | GROUP BENEFITS CAROL STREAM, IL 601322658 | $285K |
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 | 6,273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,188 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRUSTMARK INSURANCE COMPANY | 1,176 | $474K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 5,174 | $243K |
| Vision(2 contracts) | EYEMED VISION CARE | 8,610 | $636K |
| Life insurance(3 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE CO OF BOSTON | 5,780 | $3.5M |
| Long-term disability | LIBERTY LIFE ASSURANCE CO OF BOSTON | 4,864 | $1.7M |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 4,474 | $4.6M |
| Other(4 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE CO OF BOSTON | 5,780 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,610 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.