| 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 | $9K | $1K | $10K | 10.38% |
| EUGENE J. ROSSI3 Filed as: EUGENE J ROSSI | 201 E COMMERCE ST STE 337 YOUNGSTOWN, OH 44503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | 93245 NETWORK PL CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.99% |
| EUGENE J. ROSSI3 Filed as: EUGENE ROSSI | 201 E COMMERCE ST STE 337 YOUNGSTOWN, OH 44503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 17.68% |
| EUGENE J. ROSSI3 Filed as: EUGENE J ROSSI | 201 EAST COMMERCE ST STE 337 YOUNGSTOWN, OH 44503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $3K | $13K | 20.00% |
| 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 | 20.00% |
| EUGENE J. ROSSI3 Filed as: EUGENE J ROSSI | 201 E COMMERCE ST STE 337 YOUNGSTOWN, OH 44503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 35371 NETWORK PLACE CHICAGO, IL 616731353 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $446 | $3K | 8.50% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS OF OHIO | 93245 NETWORK PL CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.01% |
| 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 | 6.60% |
| EUGENE J. ROSSI3 Filed as: EUGENE J ROSSI | 201 E COMMERCE ST STE 337 YOUNGSTOWN, OH 445031637 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Other fees; Other services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $327K |
| EUGENE J ROSSI NONE | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers 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 | 1,327 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 725 | $70K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,101 | $135K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 725 | $112K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 705 | $535K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,101 | $341K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.