| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CDBI, INC.5 Filed as: CDBI | 5589 CHEVIOT ROAD CINCINNATI, OH 45247 | CUSTOM DESIGN BENEFITS | — | $37K | $37K | 2.40% |
| SHERRILL D MORGAN & ASSOCIATES3 Filed as: SHERRILL D MORGAN & ASSOC | 525 W 5TH ST SUITE 310 COVINGTON, KY 41011 | CUSTOM DESIGN BENEFITS | $18K | — | $18K | 1.19% |
| NATIONAL MEDICAL EXCESS LLC3 | 3171 N REPUBLIC BLVD TOLEDO, OH 43615 | CUSTOM DESIGN BENEFITS | $13K | — | $13K | 0.85% |
| SHERRILL D MORGAN & ASSOCIATES3 Filed as: SHERRILL D MORGAN & ASSOC | 525 W 5TH ST SUITE 310 COVINGTON, KY 41011 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 7.13% |
| CORNERSTONE BROKER INS SERVICES3 | 2101 FLORENCE AVE CINCINNATI, OH 45206 | ANTHEM LIFE INSURANCE COMPANY | — | $900 | $900 | 3.09% |
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 | 73 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CUSTOM DESIGN BENEFITS | 95 | $1.5M |
| Dental | DENTAL CARE PLUS | 95 | $68K |
| Vision | CUSTOM DESIGN BENEFITS | 95 | $1.5M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 95 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.