| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHAUER GROUP INC3 Filed as: SCHAUER GROUP, INC. | MILLENNIUM CENTER 200 MARKET AVE N STE 100 CANTON, OH 447021435 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | — | $16K | 7.92% |
| SCHAUER GROUP INC3 Filed as: SCHAUER GROUP, INC. | 200 MARKET ST N STE 100 CANTON, OH 44702 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 10.22% |
| GREENWALD UNDERWRITING3 | ASSOCIATES INC 5771 MAYFAIR RD NORTH CANTON, OH 44720 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $566 | — | $566 | 4.87% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $78 | $78 | 0.67% |
| GREENWALD UNDERWRITING3 | ASSOCIATES INC 5771 MAYFAIR RD NORTH CANTON, OH 44720 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 3.96% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2 | $2 | 0.11% |
| SCHAUER GROUP INC3 Filed as: SCHAUER GROUP, INC. | 200 MARKET ST N STE 100 CANTON, OH 44702 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 9.76% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $202K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $202K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $202K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $202K |
| Long-term disability(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.