| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AULTCARE3 Filed as: AULTCARE INSURANCE COMPANY | — | AULTCARE INSURANCE COMPANY | $0 | $147K | $147K | 81.75% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP VANTAGE BENEFIT | 6200 ROCKSIDE RD., STE 100 CLEVELAND, OH 44131 | AMERICAN UNITED LIFE INSURANCE CO. | $5K | — | $5K | 7.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE 21ST FLOOR ITASCA, IL 601431203 | RELIASTAR LIFE INSURANCE COMPANY | $788 | — | $788 | 11.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AULTCARE EIN 34-1488123 CLAIMS ADMINISTATOR | Claims processing; Contract Administrator Service code 12 | 2600 SIXTH STREET SW CANTON, OH 44710 | $147K |
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 | 410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 729 | $180K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE CO. | 410 | $68K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE CO. | 410 | $61K |
| Stop-loss / reinsurancereinsurance | AULTCARE INSURANCE COMPANY | 729 | $180K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE CO. | 410 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 729 | — |
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.