| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIPES INSURANCE SERVICE LTD3 Filed as: PIPES INSURANCE SERVICE, LTD. | 442 W HIGH AVE NEW PHILADELPHIA, OH 44663 | AULTCARE INSURANCE COMPANY | $41K | — | $41K | 10.07% |
| PIPES INSURANCE SERVICE LTD3 Filed as: PIPES INSURANCE SERVICE, LTD. | 442 W HIGH AVE NEW PHILADELPHIA, OH 446633637 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | — | $21K | 6.54% |
| NORTHWEST ENROLLX LLC3 | 7656 TWP ROAD 94 FINDLAY, OH 45840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $278 | $5K | 19.00% |
| PIPES INSURANCE SERVICE LTD3 Filed as: PIPES INSURANCE SERVICE, LTD. | 442 W HIGH AVE NEW PHILADELPHIA, OH 44663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $115 | $3K | 14.05% |
| GREG BRANT WISE3 | 7833 PULLBRIDGE CT WEST CHESTER, OH 45069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $914 | $157 | $1K | 4.37% |
| D STEVEN SMELCER3 | 7676 MEHAFFEY ROAD LIMA, OH 45801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $932 | — | $932 | 3.81% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIAN WOOD CIR MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | — | $162 | 0.66% |
| DAN YAARY3 | 13303 CREEKVIEW ROAD PROSPECT, KY 40059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 0.55% |
| JAMES DANIEL MARTINETTE3 | 128 GLEN HOLLIN DRIVE WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.07% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 372 | $404K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 488 | $318K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 488 | $318K |
| Life insurance(3 contracts, 3 carriers) | AULTCARE INSURANCE COMPANY | 488 | $746K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 488 | $342K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 488 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.