| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIPES INSURANCE SERVICE LTD3 Filed as: PIPES INSURANCE SERVICE | 442 W HIGH AVE NEW PHILADELPHIA, OH 44663 | AULTCARE INSURANCE COMPANY | $27K | $0 | $27K | 12.53% |
| PIPES INSURANCE SERVICE LTD3 Filed as: PIPES INSURANCE SERVICE | 442 W HIGH AVE NEW PHILADELPHIA, OH 44663 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $2K | $14K | 7.79% |
| PIPES INSURANCE SERVICE LTD3 Filed as: PIPES INSURANCE SERVICE | 442 W HIGH AVE NEW PHILADELPHIA, OH 44663 | AULTCARE | $0 | $0 | $0 | 0.00% |
| PIPES INSURANCE SERVICE LTD3 Filed as: PIPES INSURANCE SERVICE | 442 W HIGH AVE PO BOX 648 NEW PHILADELPHIA, OH 44663 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $310 | $4K | 18.92% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $62 | $1K | 9.84% |
| PIPES INSURANCE SERVICE LTD3 Filed as: PIPES INSURANCE SERVICE | 442 W HIGH AVE NEW PHILADELPHIA, OH 44663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $932 | $0 | $932 | 7.52% |
| DAN YAARY3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $491 | $25 | $516 | 4.16% |
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 | 81 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 81 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AULTCARE INSURANCE COMPANY | 251 | $249K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 346 | $177K |
| Life insurance(4 contracts, 3 carriers) | AULTCARE INSURANCE COMPANY | 346 | $429K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 346 | $190K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 346 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.