| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS NETWORK INSURANCE AGENCY3 | 4555 LAKE FOREST DR STE 510 CINCINNATI, OH 45242 | COMMUNITY INSURANCE COMPANY | $64K | $372 | $64K | 3.12% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVEUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $47K | $7 | $47K | 2.28% |
| ERC SERVICES INC3 Filed as: ERC SERVICES INC. | 387 GOLF VIEW LANE STE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $2K | $0 | $2K | 0.11% |
| BENEFITS NETWORK INSURANCE AGENCY3 Filed as: BENEFITS NETWORK INS AGENCY INC. | 4555 LAKE FOREST DR STE 510 BLUE ASH, OH 45242 | PRINCIPAL LIFE INSURANCE COMPANY | $40K | $0 | $40K | 11.33% |
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 | 266 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 228 | $2.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 712 | $352K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 712 | $352K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 712 | $352K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 712 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 712 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.