| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL FREDERICKS3 | 233 W HIGH AVE NEW PHILADELPHIA, OH 44663 | AULTCARE INSURANCE COMPANY | $29K | — | $29K | 8.02% |
| WILLIAM S. LAW3 | 600 KINGFRED DRIVE NORTH HUNTINGDON, PA 15642 | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | — | $10K | 17.65% |
| WILLIAM S. LAW3 | 600 KINGFRED DRIVE HUNTINGTON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 9.44% |
| DONNA TROXELL3 | 706 WESTWOOD DRIVE GIBSONIA, PA 15044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $51 | $185 | 1.15% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DR WASHINGTON, PA 15301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $18 | $83 | 0.51% |
| TERESA LYNN FOUTZ3 | 1877 LEALAND AVE POLAND, OH 44514 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.19% |
| SOLENTURE INC3 | TWO GATEWAY CENTER PITTSBURGH, PA 15222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| SOTERIA PARTNERS LLC3 Filed as: SOTERIA PARTNERS INC | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 106 | $361K |
| Dental | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 45 | $16K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 124 | $59K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 124 | $59K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 124 | $59K |
| Stop-loss / reinsurancereinsurance | AULTCARE INSURANCE COMPANY | 106 | $361K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 124 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.