| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 E GALBRAITH RD SUITE 9000 CINCINNATI, OH 45236 | METLIFE | $27K | — | $27K | 4.32% |
| HAUSER INC3 | 5905 E GALBRAITH RD SUITE 9000 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.33% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 E GALBRAITH RD SUITE 9000 CINCINNATI, OH 45236 | METLIFE | $16K | — | $16K | 12.94% |
| HAUSER INC3 | 5905 E GALBRAITH RD SUITE 9000 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 14.53% |
| HAUSER INC3 | 5905 E GALBRAITH RD SUITE 9000 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $296 | — | $296 | 1.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METLIFE EIN 13-5581829 N/A | Contract Administrator; Claims processing Service code 12 | 200 PARK AVENUE NEW YORK, NY 10166 | $39K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 N/A | Claims processing; Contract Administrator Service code 12 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | $10K |
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 | 1,426 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METLIFE | 1,750 | $144K |
| Long-term disability(2 contracts, 2 carriers) | METLIFE | 1,750 | $843K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 39 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,750 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.