| 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 | $36K | — | $36K | 11.99% |
| PIPES INSURANCE SERVICE LTD3 Filed as: PIPES INSURANCE SERVICE, LTD. | 442 W HIGH AVE NEW PHILADELPHIA, OH 44663 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | — | $18K | 6.92% |
| PIPES INSURANCE SERVICE LTD3 Filed as: PIPES INSURANCE SERVICE LTD. | 442 W HIGH AVE NEW PHILADELPHIA, OH 44663 | AULTCARE | $0 | — | $0 | 0.00% |
| PIPES INSURANCE SERVICE LTD3 Filed as: PIPES INSURANCE SERVICE, LTD. | 442 W HIGH AVE NEW PHILADELPHIA, OH 44663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $679 | — | $679 | 4.82% |
| NORTHWEST ENROLLX LLC3 | 7656 TWP RD. 94 FINDLAY, OH 45840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $566 | $61 | $627 | 4.46% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIAN WOOD CIR MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $255 | — | $255 | 1.81% |
| DAN YAARY3 | 13303 CREEKVIEW ROAD PROSPECT, KY 40059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | — | $176 | 1.25% |
| JAMES DANIEL MARTINETTE3 | 128 GLEN HOLLIN DRIVE WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $2 | $73 | 0.52% |
| CBF BENEFITS INC3 | 1309 HIDDEN HARBOR ROAD MYRTLE BEACH, SC 29577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AULTCARE INSURANCE COMPANY | 337 | $350K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 404 | $263K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 404 | $263K |
| Life insurance(3 contracts, 3 carriers) | AULTCARE INSURANCE COMPANY | 404 | $579K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 404 | $277K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 404 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.