| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHAUER GROUP INC3 | 200 MARKET AVENUE NORTH SUITE 100 CANTON, OH 44702 | SUMMACARE | $30K | — | $30K | 3.28% |
| SCHAUER GROUP INC3 | 200 MARKET AVENUE NORTH MILLENIUM CENTRE SUITE 100 CANTON, OH 44702 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 6.56% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE ROAD SUITE 500 INDEPENDENCE, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 9.12% |
| SCHAUER GROUP INC3 Filed as: SCHAUER GROUP INCORPORATED | 200 MARKET AVENUE NORTH SUITE 100 CANTON, OH 44702 | SUN LIFE ASSURANCE COMPANY OF CANADA | $244 | — | $244 | 2.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $167 | — | $167 | 1.37% |
| SCHAUER GROUP INC3 | 200 MARKET AVENUE NORTH SUITE 100 CANTON, OH 44702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $943 | $98 | $1K | 11.04% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVENUE WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $660 | $660 | 7.00% |
| SCHAUER GROUP INC3 | 200 MARKET AVENUE NORTH SUITE 100 CANTON, OH 44702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $155 | — | $155 | 9.97% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVENUE WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $109 | $109 | 7.01% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUMMACARE | 118 | $928K |
| Dental | HUMANA INSURANCE COMPANY | 100 | $56K |
| Vision | HUMANA INSURANCE COMPANY | 100 | $56K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $11K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 129 | $12K |
| Other(4 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 155 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.