| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $211K | — | $211K | 2.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $50K | — | $50K | 0.68% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD STE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $5K | $15K | 3.97% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 1.97% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | COMPANION LIFE INSURANCE COMPANY | $9K | — | $9K | 8.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | $7K | — | $7K | 6.43% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | MUTUAL OF OMAHA INSURANCE COMPANY | $9K | — | $9K | 8.83% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | — | $6K | 6.17% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | MUTUAL OF OMAHA INSURANCE COMPANY | $9K | — | $9K | 8.77% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | — | $6K | 6.23% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 8.78% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 6.22% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD STE 9000 CINCINNATI, OH 45236 | EYEMED VISION CARE | $2K | — | $2K | 5.88% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $663 | — | $663 | 1.68% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $638 | — | $638 | 1.62% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | MUTUAL OF OMAHA INSURANCE COMPANY | $543 | — | $543 | 8.78% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | $385 | — | $385 | 6.23% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | MUTUAL OF OMAHA INSURANCE COMPANY | $497 | — | $497 | 15.00% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | MUTUAL OF OMAHA INSURANCE COMPANY | $235 | — | $235 | 14.86% |
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 | 409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 784 | $7.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,304 | $372K |
| Vision | EYEMED VISION CARE | 749 | $39K |
| Life insurance(5 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 409 | $171K |
| Short-term disability(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 203 | $105K |
| Long-term disability(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 409 | $99K |
| Other(4 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 190 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,304 | — |
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.
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.