| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHAUER GROUP INC3 Filed as: SCHAUER GROUP INCORPORATED | 200 MARKET AVENUE NORTH SUITE 100 CANTON, OH 44702 | MEDICAL MUTUAL | $29K | $53 | $29K | 3.50% |
| SCHAUER GROUP INC3 | 200 MARKET AVENUE NORTH MILLENIUM CENTRE SUITE 100 CANTON, OH 44702 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 6.40% |
| SCHAUER GROUP INC3 Filed as: SCHAUER GROUP INCORPORATED | 200 MARKET AVENUE NORTH SUITE 100 CANTON, OH 44702 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 10.87% |
| SCHAUER GROUP INC3 Filed as: SCHAUER GROUP INCORPORATED | 200 MARKET AVENUE NORTH SUITE 100 CANTON, OH 44702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| SCHAUER GROUP INC3 Filed as: SCHAUER GROUP INCORPORATED | 200 MARKET AVENUE NORTH SUITE 100 CANTON, OH 44702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $969 | — | $969 | 10.00% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVENUE WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $678 | $678 | 7.00% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 98 | $838K |
| Dental | HUMANA INSURANCE COMPANY | 98 | $57K |
| Vision | HUMANA INSURANCE COMPANY | 98 | $57K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $22K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 45 | $15K |
| Other(4 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 109 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.