| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCBANE INSURANCE AND FINANCIAL SERV3 | P.O. BOX 2609 WINTERSVILLE, OH 43953 | ANTHEM LIFE INSURANCE COMPANY | $16K | — | $16K | 10.96% |
| TRACY MCMANAMON3 | 616 BELLEVIEW BLVD STEUBENVILLE, OH 439521617 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.55% |
| RESCHINI AGENCY INC3 Filed as: THE RESCHINI AGENCY, INC | 922 PHILADELPHIA STREET INDIANA, PA 15701 | FOUR EVER LIFE INS. CO. | $632 | — | $632 | 8.00% |
| HIGHMARK BLUE SHIELD3 | 120 FIFTH AVENUE PITTSBURGH, PA 152223099 | FOUR EVER LIFE INS. CO. | $0 | $316 | $316 | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMINISTRATIVE FEES | Contract Administrator Service code 13 | — | $102K |
| CBIZ, INC. EIN 22-2769024 ACTUARY/CONSULTANT | Consulting fees; Actuarial Service code 11 | 6050 OAK TREE BLVD. S., SUITE 500 CLEVELAND, OH 44131 | $70K |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS. CO. | 1 | $8K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 392 | $100K |
| Vision | HIGHMARK, INC. | 839 | $67K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 345 | $142K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 345 | $142K |
| Prescription drug | FOUR EVER LIFE INS. CO. | 1 | $8K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 345 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 839 | — |
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.