| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUGENE J. ROSSI3 Filed as: EUGENE ROSSI | 201 E COMMERCE ST STE 337 YOUNGSTOWN, OH 445031637 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $81K | $7K | $88K | 22.01% |
| EUGENE J. ROSSI3 Filed as: EUGENE J ROSSI | 201 E COMMERCE ST STE 337 YOUNGSTOWN, OH 445031637 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Contract Administrator; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $1.0M |
| EUGENE J ROSSI NONE | Insurance agents and brokers; Non-monetary compensation; Other commissions; Insurance brokerage commissions and fees Service code 22 | 201 E COMMERCE ST, SUITE 337 YOUNGSTOWN, OH 44503 | $44K |
| CHAD PHILLIPS NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 201 E COMMERCE ST, SUITE 337 YOUNGSTOWN, OH 44503 | $0 |
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 | 554 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 643 | $400K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 643 | $400K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 870 | $417K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 643 | $400K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 643 | $400K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 771 | $407K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 870 | $417K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 870 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.