| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHAUER GROUP INC3 Filed as: SCHAUER INSURANCE | 200 MARKET AVE NORTH, SUITE 100 CANTON, OH 44702 | AULTCARE INSURANCE COMPANY | $20K | — | $20K | 6.86% |
| SCHAUER GROUP INC3 | 200 MARKET AVE N, STE 100 CANTON, OH 44702 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 8.27% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 631224042 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.95% |
| GREENWALD UNDERWRITING ASSOCIATES3 | 5771 MAYFAIR RD NORTH CANTON, OH 44720 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $955 | $24 | $979 | 10.58% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $115 | $115 | 1.24% |
| GREENWALD UNDERWRITING ASSOCIATES3 | 5771 MAYFAIR RD NORTH CANTON, OH 44720 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 4.08% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $11 | $11 | 0.63% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AULTCARE INSURANCE COMPANY | 330 | $286K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 295 | $147K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 295 | $147K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 295 | $147K |
| Long-term disability(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 295 | $158K |
| Stop-loss / reinsurancereinsurance | AULTCARE INSURANCE COMPANY | 330 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.