| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCBANE INSURANCE AND FINANCIAL SERV3 | PP.O. BOX 2609 WINTERSVILLE, OH 43953 | ANTHEM LIFE INSURANCE COMPANY | $13K | — | $13K | 9.70% |
| TRACY MCMANAMON3 | 616 BELLEVIEW BLVD STEUBENVILLE, OH 439521617 | METROPOLITAN LIFE INSRUANCE COMPANY | $3K | — | $3K | 3.48% |
| RESCHINI AGENCY INC3 Filed as: THE RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | FOUR EVER LIFE INS. CO. | $554 | — | $554 | 7.99% |
| HIGHMARK BLUE SHIELD3 | 120 FIFTH AVENUE PITTSBURGH, PA 152223099 | FOUR EVER LIFE INS. CO. | $0 | $277 | $277 | 4.00% |
No Schedule C service providers reported on this filing.
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS. CO. | 2 | $7K |
| Dental | METROPOLITAN LIFE INSRUANCE COMPANY | 348 | $96K |
| Vision | HIGHMARK, INC. | 898 | $55K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 329 | $134K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 329 | $134K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 329 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 898 | — |
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.