| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICES5 | PO BOX 4138 AKRON, OH 44321 | SPECTRUM | $6K | $46K | $52K | 40.07% |
| SCHWENDEMAN AGENCY, INC. Filed as: SCHWENDEMAN AGENCY | 109 PUTNAM STREET MARIETTA, OH 45750 | SPECTRUM | $12K | $551 | $13K | 9.90% |
| AMERICAN HEALTH HOLDING0 Filed as: AMERICAN HEALTH HOLDING, INC. | 7400 W. CAMPUS RD NEW ALBANY, OH 43054 | SPECTRUM | — | $1K | $1K | 0.85% |
| DENTEMAX0 | 25925 TELEGRAPH RD, SUITE 400 SOUTHFIELD, MI 48033 | SPECTRUM | — | $404 | $404 | 0.31% |
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 | 68 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 68 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SPECTRUM | 68 | $141K |
| Dental | SPECTRUM | 68 | $129K |
| Vision | SPECTRUM | 68 | $129K |
| Life insurance | CONSUMERS LIFE | 92 | $6K |
| Prescription drug | SPECTRUM | 68 | $129K |
| Stop-loss / reinsurancereinsurance | SPECTRUM | 68 | $129K |
| Other | UNITED STATES FIRE INSURANCE CO. - PRIOR CARRIER | 0 | $208 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.