| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $36K | $36K | 5.93% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73K | $0 | $73K | 36.69% |
| RONALD J ZULLO3 Filed as: RONALD J. ZULLO | 6700 TOWERING RIDGE WAY APARTMENT 144 CINCINNATIE, OH 45247 | CONTINENTAL AMERICAN INSURANCE COMPANY | $810 | $0 | $810 | 0.41% |
| CAROL L VENN3 Filed as: CAROL L. VENN | FIVE SPYGLASS COURT CINCINNATI, OH 45241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $488 | $0 | $488 | 0.25% |
| CHRISTOPHER E BIALKA3 Filed as: CHRISTOPHER E. BIALKA | 4460 BLACK OLIVE LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $345 | $0 | $345 | 0.17% |
| SHANA WOLF3 Filed as: SHANA R. WOLF | 11260 CHESTER ROAD, SUITE 100 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.00% |
| GROVE FINANCIAL LLC3 Filed as: GROVE FINANCIAL, LLC | 4502 GLENBROOK DRIVE PALM HARBOR, FL 34683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
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 | 5,002 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,034 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 3,910 | $285K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,725 | $608K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,725 | $608K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,725 | $608K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,601 | $873K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,601 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.