| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICES5 | 3636 COPLEY ROAD AKRON, OH 44321 | SPECTRUM | $7K | $47K | $53K | 40.88% |
| SCHWENDEMAN AGENCY, INC.3 Filed as: SCHWENDEMAN AGENCY | 109 PUTNAM STREET MARIETTA, OH 45750 | SPECTRUM | $15K | $0 | $15K | 11.23% |
| AMERICAN HEALTH HOLDINGS0 | 7400 WEST CAMPUS ROAD F-510 NEW ALBANY, OH 43054 | SPECTRUM | $0 | $1K | $1K | 0.85% |
| DENTEMAX0 | 300 EAST RANDOLPH STREET CHICAGO, IL 60601 | SPECTRUM | $0 | $410 | $410 | 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 | 66 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 66 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SPECTRUM | 66 | $141K |
| Dental | SPECTRUM | 66 | $130K |
| Vision | SPECTRUM | 66 | $130K |
| Life insurance | CONSUMER'S LIFE | 66 | $7K |
| Prescription drug | SPECTRUM | 66 | $130K |
| Stop-loss / reinsurancereinsurance | SPECTRUM | 66 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 66 | — |
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.