| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICES | 3636 COPLEY ROAD AKRON, OH 44321 | SPECTRUM | $357 | $60K | $60K | 34.52% |
| SCHWENDEMAN AGENCY, INC. Filed as: SCHWENDEMAN AGENCY | 109 PUTNAM STREET MARIETTA, OH 45750 | SPECTRUM | $0 | $19K | $19K | 11.10% |
| AMERICAN HEALTH HOLDINGS Filed as: AMERICAN HEALTH HOLDINGS, INC. | 7400 WEST CAMPUS ROAD, F-510 NEW ALBANY, OH 43054 | SPECTRUM | $0 | $1K | $1K | 0.70% |
| DENTEMAX | 300 EAST RANDOLPH STREET CHICAGO, IL 60601 | SPECTRUM | $0 | $471 | $471 | 0.27% |
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 | 74 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 74 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SPECTRUM | 74 | $187K |
| Dental | SPECTRUM | 74 | $175K |
| Vision | SPECTRUM | 74 | $175K |
| Life insurance | CONSUMER'S LIFE INSURANCE COMPANY | 74 | $8K |
| Prescription drug | SPECTRUM | 74 | $175K |
| Stop-loss / reinsurancereinsurance | SPECTRUM | 74 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 74 | — |
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.