| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIPES INSURANCE SERVICE LTD3 Filed as: PIPES INSURANCE SERVICES LTD | 442 WEST HIGH AVE NEW PHILADELPHIA, OH 44663 | AMERICAN UNITED LIFE | $45K | $6K | $51K | 15.10% |
| COOPERATIVE BENEFIT DESIGNS LTD3 Filed as: COOPERATIVE BENEFITS DESIGNS | PO BOX 648 NEW PHILADELPHIA, OH 44663 | AULTCARE INSURANCE COMPANY | $19K | — | $19K | 6.02% |
| PIPES INSURANCE SERVICE LTD3 | 442 W HIGH AVENUE NEW PHILADELPHIA, OH 446633637 | VISION SERVICE PLAN | $2K | — | $2K | 3.18% |
| NORTHWEST WORKSIDE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $11 | $2K | — |
| PIPES INSURANCE SERVICE LTD3 Filed as: PIPES INSURANCE SERVICE | 442 W. HIGH AVE NEW PHILADELPHIA, OH 44663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | — |
| DAN YAARY3 | 1910 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $372 | $5 | $377 | — |
| SHERRY M ALLBRITTON3 | 3809 WINDING RD ARLINGTON, TX 76016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $2 | $13 | — |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DRVIE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | — |
| BEYLAND CONSULTANTS INC3 Filed as: BEYLAND CONSULTANTS INC. | 7961 WASHINGTON WOODS DRIVE CENTERVILLE, OH 45459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | — |
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 | 438 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 1,087 | $324K |
| Dental | AULTCARE INSURANCE COMPANY | 1,087 | $324K |
| Vision | VISION SERVICE PLAN | 310 | $66K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE | 438 | $337K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE | 438 | $337K |
| Long-term disability | AMERICAN UNITED LIFE | 438 | $337K |
| Stop-loss / reinsurancereinsurance | AULTCARE INSURANCE COMPANY | 1,087 | $324K |
| Other | AMERICAN UNITED LIFE | 438 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,087 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.