| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVE BAUM3 | BUTLER CAPITAL ADVISORS 28350 KENSINGTON LN STE 100 PERRYSBURG, OH 435514173 | PARAMOUNT | $166K | — | $166K | 4.00% |
| DAVID M BAUM3 | BUTLER CAPITAL ADVISORS 28350 KENSINGTON LANE STE 100 PERRYSBURG, OH 43551 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 3.41% |
| BUTLER CAPITAL CONSULTING GROUP LLC3 | 28350 KENSINGTON LANE STE 100 PERRYSBURG, OH 43551 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.80% |
| BUTLER CAPITAL CONSULTING GROUP LLC3 | 28350 KENSINGTON LN STE 100 PERRYSBURG, OH 435514173 | VISION SERVICE PLAN | $2K | — | $2K | 4.35% |
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 | 356 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 736 | $394K |
| Vision | VISION SERVICE PLAN | 266 | $35K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 736 | $394K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 736 | $394K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 736 | $394K |
| Prescription drug | PARAMOUNT | 652 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 736 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.