| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 35371 NETWORK PLACE CHICAGO, IL 616731353 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $1K | $12K | 11.06% |
| EUGENE J. ROSSI3 Filed as: EUGENE J ROSSI | 201 E COMMERCE ST STE 337 YOUNGSTOWN, OH 44503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.32% |
| EUGENE J. ROSSI3 Filed as: EUGENE J ROSSI | 701 FAIRWAY DRIVE NE WARREN, OH 44483 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $3K | $15K | 19.63% |
| EUGENE J. ROSSI3 Filed as: EUGENE ROSSI | 201 E COMMERCE ST STE 337 YOUNGSTOWN, OH 44503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 13.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 35371 NETWORK PLACE CHICAGO, IL 616731353 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $446 | $7K | 13.68% |
| EUGENE J. ROSSI3 Filed as: EUGENE J ROSSI | 201 E COMMERCE ST STE 337 YOUNGSTOWN, OH 44503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.48% |
| EUGENE J. ROSSI3 Filed as: EUGENE ROSSI | 201 EAST COMMERCE ST STE 337 YOUNGSTOWN, OH 44503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $9K | 19.62% |
| EUGENE J. ROSSI3 Filed as: EUGENE J ROSSI | 201 E COMMERCE ST STE 337 YOUNGSTOWN, OH 44503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 19.82% |
| EUGENE J. ROSSI3 Filed as: EUGENE J ROSSI | 201 E COMMERCE ST STE 337 YOUNGSTOWN, OH 445031637 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Other fees; Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $595K |
| EUGENE J ROSSI NONE | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 201 E COMMERCE ST, SUITE 337 YOUNGSTOWN, OH 11203 | $44K |
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 | 1,110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 772 | $64K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 772 | $64K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,101 | $131K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 772 | $98K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 751 | $534K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,101 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,101 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.