| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL FREDERICKS3 | 233 W HIGH AVE NEW PHILADELPHIA, OH 44663 | AULTCARE INSURANCE COMPANY | $31K | — | $31K | 6.75% |
| MICHAEL FREDERICKS3 | 233 W HIGH AVE NEW PHILADELPHIA, OH 44663 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | — | $8K | 14.73% |
| WILLIAM S. LAW3 | 600 KINGFRED DRIVE NORTH HUNTINGDON, PA 15642 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 2.99% |
| MICHAEL FREDERICKS3 | 233 W HIGH AVE NEW PHILADELPHIA, OH 44663 | DELTA DENTAL OF OHIO | $1K | — | $1K | 7.09% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 107 | $466K |
| Dental | DELTA DENTAL OF OHIO | 69 | $17K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 136 | $56K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 136 | $56K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 136 | $56K |
| Stop-loss / reinsurancereinsurance | AULTCARE INSURANCE COMPANY | 107 | $466K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 136 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.