| 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 | $24K | — | $24K | 6.86% |
| SCHAUER GROUP INC3 | MILLENNIUM CENTER 200 MARKET AVE N, STE 100 CANTON, OH 44702 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 8.23% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD, STE 300 SAINT LOUIS, MO 631224042 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 3.12% |
| GREENWALD UNDERWRITING ASSOCIATES3 | 5771 MAYFAIR RD NORTH CANTON, OH 44720 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $815 | $5 | $820 | 8.79% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $89 | $89 | 0.95% |
| GREENWALD UNDERWRITING ASSOCIATES3 | 5771 MAYFAIR RD NORTH CANTON, OH 44720 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 4.07% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $10 | $10 | 0.63% |
| SCHAUER GROUP INC3 Filed as: SCHAUER GROUP INC. | 200 MARKET ST. N. STE 100 CANTON, OH 44702 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $249 | — | $249 | 36.73% |
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 | 164 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AULTCARE INSURANCE COMPANY | 407 | $524K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 301 | $181K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 301 | $181K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 301 | $181K |
| Long-term disability(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 301 | $192K |
| Stop-loss / reinsurancereinsurance | AULTCARE INSURANCE COMPANY | 407 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.