| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHAUER GROUP INC | MILLENNIUM CENTER - SUITE 100 200 MARKET AVE N. CANTON, OH 44702 | GUARDIAN LIFE INSURANCE | $17K | — | $17K | 9.32% |
| DMC BENEFITS INC | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | GUARDIAN LIFE INSURANCE | $9K | — | $9K | 5.00% |
| LIFETIME FINANCIAL GROWTH | MILLENIUM CENTRE - SUITE 100 200 MARKET AVE N CANTON, OH 44702 | GUARDIAN LIFE INSURANCE | $46 | — | $46 | 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 | 353 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.