| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE, INC. | 5905 E. GALBRAITH RD., SUITE 9000 CINCINNATI, OH 45236 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $52K | $52K | 3.09% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE, INC. | 5905 E. GALBRAITH RD., SUITE 9000 CINCINNATI, OH 452362296 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.29% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD., STE 300 KIRKWOOD, MO 631224042 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.29% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE, INC. | 5905 E. GALBRAITH RD., SUITE 9000 CINCINNATI, OH 45236 | ONE AMERICA | $9K | $0 | $9K | 10.87% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE, INC. | 5905 E. GALBRAITH RD., SUITE 9000 CINCINNATI, OH 45236 | EYEMED VISION CARE | $2K | $0 | $2K | 9.80% |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 185 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 368 | $113K |
| Vision | EYEMED VISION CARE | 282 | $16K |
| Life insurance | ONE AMERICA | 279 | $80K |
| Short-term disability | ONE AMERICA | 279 | $80K |
| Long-term disability | ONE AMERICA | 279 | $80K |
| Other | ONE AMERICA | 279 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.