| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD STE 1000 ROLLING MEADOWS, IL 60008 | AULTCARE INSURANCE COMPANY | $57K | $0 | $57K | 5.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AULTCARE EIN 34-1488123 NONE | Contract Administrator; Consulting (general) Service code 13 | 2311 CLEVELAND AVENUE NORTHWEST CANTON, OH 44709 | $318K |
| ALLIANCE COMMUNITY MEDICAL FOUNDATI NONE | Other services Service code 49 | 200 EAST STATE STREET ALLIANCE, OH 44601 | $124K |
| COMPSYCH NONE | Other services Service code 49 | 455 N. CITYFRONT PLAZA DRIVE CHICAGO, IL 60611 | $22K |
| ANCHOR HEALTH LLC NONE | Other services Service code 49 | 425 SEVENTH STREET NE CHARLOTTESVILLE, VA 22902 | $14K |
| HILL, BARTH & KING LLC EIN 34-1897225 NONE | Accounting (including auditing) Service code 10 | 6603 SUMMIT DRIVE CANFIELD, OH 44406 | $11K |
| ALLIANCE FAMILY HEALTH CENTER NONE | Other services Service code 49 | 1401 S. ARCH AVENUE,SUITE A ALLIANCE, OH 44601 | $5K |
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 | 803 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 803 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 1,703 | $1.0M |
| Stop-loss / reinsurancereinsurance | AULTCARE INSURANCE COMPANY | 1,703 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,703 | — |
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.