| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHWENDEMAN AGENCY, INC.3 Filed as: SCHWENDEMAN AGENCY INC. | 109 PUTNAM ST. MARIETTA, OH 45750 | AMERICAN UNITED LIFE INSURANCE COMPANY | $793 | — | $793 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MUTUAL HEALTH SERVICES EIN 34-0648820 NONE | Claims processing; Plan Administrator Service code 12 | P.O. BOX 5700 CLEVELAND, OH 44101 | $104K |
| SCHWENDEMAN AGENCY, INC. EIN 31-0824936 NONE | Insurance agents and brokers Service code 22 | — | $20K |
| THE BENECON GROUP, LLC EIN 23-1315351 NONE | Insurance agents and brokers Service code 22 | — | $15K |
| CONNECTCARE3, LLC EIN 26-1768616 NONE | Other services Service code 49 | — | $4K |
| TELADOC EIN 04-3705970 NONE | Other services Service code 49 | — | $543 |
| DENTEMAX EIN 36-1236610 NONE | Other services Service code 49 | — | $422 |
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 | 95 | 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. |
| Total participants (= "Plan participants" tile) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 95 | $8K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 68 | $339K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 95 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.