| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD SUITE 900 CINCINNATI, OH 45236 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $12K | $46K | 13.62% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 5.00% |
| HAUSER INC3 Filed as: HAUSER, INC | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | DELTA DENTAL OF TENNESSEE | $30K | — | $30K | 10.00% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | AETNA LIFE INSURANCE CO. | $15K | — | $15K | 19.10% |
| HAUSER INC3 Filed as: HAUSER, INC | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | DELTA DENTAL OF TENNESSEE | $8K | — | $8K | 10.00% |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 1,023 | $301K |
| Vision | DELTA DENTAL OF TENNESSEE | 963 | $76K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 474 | $336K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 474 | $336K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 474 | $336K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 383 | $756K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 474 | $414K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,023 | — |
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.