| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED NL INS AGENCY INC | 4000 SMITH ROAD STE 400 CINCINNATI, OH 45209 | HUMANA INSURANCE COMPANY | $32K | — | $32K | 3.05% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC | 4000 SMITH ROAD STE 400 CINCINNATI, OH 45209 | APEX | $17K | — | $17K | 7.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CETERA ADVISOR NETWORKS LLC EIN 30-0588666 INVESTMENT ADVISORY | Investment management Service code 28 | — | $80K |
| FINDLEY DAVIES EIN 34-1213174 ACTUARIAL | Actuarial; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 11 | — | $66K |
| CORRIGAN, KRAUSE, HARRISON, LLP EIN 37-1574855 ACCOUNTING AUDIT | Accounting (including auditing) Service code 10 | — | $8K |
| CHESTER L SUMPTER & ASSOCIATES LLC EIN 34-1942956 LEGAL SERVICES | Legal Service code 29 | — | $7K |
| BILLINGS & COMPANY CPA'S EIN 34-1818972 ACCOUNTING & TAX PREP | Accounting (including auditing) Service code 10 | — | $6K |
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 | 381 | 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) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 304 | $1.0M |
| Prescription drug | HUMANA INSURANCE COMPANY | 304 | $1.0M |
| Stop-loss / reinsurancereinsurance | APEX | 381 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.