| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRIATH ROAD SUITE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $186K | $40K | $226K | 10.20% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT RESOURCES | — | QBE INSURANCE | — | $98K | $98K | 7.00% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $2K | $30K | 18.26% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $318 | $7K | 4.50% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $1K | $23K | 16.70% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $243 | $6K | 4.12% |
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 | 2,478 | 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) | 2,478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,820 | $2.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,820 | $2.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,820 | $2.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,820 | $2.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,820 | $2.2M |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 2,014 | $1.4M |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,820 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,820 | — |
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.