| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | AULTCARE INSURANCE COMPANY | $124K | — | $124K | 5.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AULTCARE NONE | Contract Administrator; Consulting (general) Service code 13 | 2311 CLEVELAND AVENUE NW CANTON, OH 44709 | $324K |
| AULTWORKS OCCUPATIONAL MEDICINE NONE | Other services Service code 49 | 295 E STATE ST ALLIANCE, OH 44601 | $186K |
| MAC TRAILER ENTERPRISES, INC. PLAN SPONSOR | Consulting (general) Service code 16 | 14599 COMMERCE ST NE 330-823-9900 ALLIANCE, OH 44601 | $55K |
| COMPSYCH CORPORATION NONE | Consulting (general) Service code 16 | 455 N. CITYFRONT PLAZA DR CHICAGO, IL 60611 | $27K |
| MEADEN & MOORE NONE | Accounting (including auditing) Service code 10 | 1375 EAST NINTH STREET CLEVELAND, OH 44114 | $14K |
| ANCHOR HEALTH NONE | Other services Service code 49 | 425 SEVENTH STREET NE CHARLOTTESVILLE, VA 22902 | $9K |
| SMOOTH RIDER LLC NONE | Consulting (general) Service code 16 | 1983 WEST 28TH SREET CLEVELAND, OH 44113 | $8K |
| MERCY HEALTH PHYSICIANS NONE | Other services Service code 49 | 1701 MERCY HEALTH PLACE CINCINNATI, OH 45237 | $7K |
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 | 1,021 | 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) | 1,021 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 1,021 | $2.1M |
| Stop-loss / reinsurancereinsurance | AULTCARE INSURANCE COMPANY | 1,021 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,021 | — |
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.