| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DRIVE SUITE 200 CINCINNATI, OH 45236 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 0.19% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 100 PINE STREET ELEVENTH FLOOR SAN FRANCISCO, CA 94111 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.07% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 13.63% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVENUE SUITE 1500 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $356 | — | $356 | 1.37% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.60% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVENUE SUITE 1500 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $313 | — | $313 | 1.40% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.57% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVENUE SUITE 1500 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $297 | — | $297 | 1.42% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | COMPANION LIFE INSURANCE COMPANY | $357 | — | $357 | 14.98% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | MUTUAL OF OMAHA INSURANCE COMPANY | $282 | — | $282 | 14.98% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | MUTUAL OF OMAHA INSURANCE COMPANY | $274 | — | $274 | 14.97% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | COMPANION LIFE INSURANCE COMPANY | $270 | — | $270 | 14.99% |
| WHARTON/LYON & LYON3 Filed as: WHARTON/LYON AND LYON | 101 SOUTH LIVINGSTON AVENUE LIVINGSTON, NJ 07039 | FEDERAL INSURANCE COMPANY | $225 | — | $225 | 15.00% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $135 | — | $135 | 12.47% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVENUE SUITE 1500 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28 | — | $28 | 2.59% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | MUTUAL OF OMAHA INSURANCE COMPANY | $27 | — | $27 | 15.00% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | MUTUAL OF OMAHA INSURANCE COMPANY | $2 | — | $2 | 16.67% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 296 | $2.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 296 | $2.6M |
| Vision | AETNA LIFE INSURANCE COMPANY | 296 | $2.6M |
| Life insurance(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $52K |
| Short-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 18 | $3K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $23K |
| Other(6 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.