| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICKS INSURANCE AGENCY3 | PO BOX 197 NEW PHILADELPHIA, OH 44663 | AULTCARE INSURANCE COMPANY | $34K | — | $34K | 6.73% |
| WILLIAM S. LAW3 | 600 KINGFRED DRIVE NORTH HUNTINGDON, PA 15642 | AMERICAN UNITED LIFE INSURANCE COMPANY | $12K | — | $12K | 17.53% |
| WILLIAM S. LAW3 | 600 KINGFRED DRIVE HUNTINGTON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 11.24% |
| DONNA TROXELL3 | 706 WESTWOOD DRIVE GIBSONIA, PA 15044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $535 | $329 | $864 | 4.47% |
| TERESA LYNN FOUTZ3 | 1877 LEALAND AVE POLAND, OH 44514 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $217 | — | $217 | 1.12% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DR WASHINGTON, PA 15301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | $69 | $217 | 1.12% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 231 | $505K |
| Dental | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 41 | $19K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 193 | $70K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 193 | $70K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 193 | $70K |
| Stop-loss / reinsurancereinsurance | AULTCARE INSURANCE COMPANY | 231 | $505K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 193 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.