| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIPES INSURANCE SERVICE LTD3 | 442 WEST HIGH AVENUE NEW PHILADELPHIA, OH 44663 | ADULTCARE | $15K | — | $15K | 8.38% |
| MESIROW INSURANCE SERVICES INC3 | ONE OAKBROOK TERRACE OAKBROOK TERRACE, IL 60181 | ONEAMERICA | $4K | — | $4K | 7.45% |
| PIPES INSURANCE SERVICE LTD3 | 442 WEST HIGH AVENUE NEW PHILADELPHIA, OH 44663 | ONEAMERICA | $1K | $1K | $2K | 4.51% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 1 OAKBROOK TERRACE OAKBROOK TERRACE, IL 60181 | NATIONAL GUARDIAN LIFE | $3K | — | $3K | 7.16% |
| PIPES INSURANCE SERVICE LTD3 Filed as: PIPES INSURANCE SERVICES | 442 WEST HIGH AVENUE NEW PHILADELPHIA, OH 44663 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 2.66% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $705 | — | $705 | 4.51% |
| PIPES INSURANCE SERVICE LTD3 Filed as: PIPES INSURANCE SERVICE | 442 WEST HIGH AVENUE NEW PHILADELPHIA, OH 44663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $619 | — | $619 | 3.96% |
| DAN YAARY3 | 1910 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 0.65% |
| ARIADNE DE BASABE-MACHICHE3 | 112 NIMROD CIRCLE CORONA, CA 92880 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.06% |
| DAWN RENEE MORGAN3 | 6413 DUNMOOR DRIVE PLANO, TX 75093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.03% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE | 64 | $40K |
| Vision | NATIONAL GUARDIAN LIFE | 64 | $40K |
| Life insurance | ONEAMERICA | 184 | $50K |
| Long-term disability | ONEAMERICA | 184 | $50K |
| Stop-loss / reinsurancereinsurance | ADULTCARE | 127 | $177K |
| Other(3 contracts, 3 carriers) | ONEAMERICA | 184 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.