| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM DESIGN BENEFITS5 Filed as: CUSTOM DESIGN BENEFITS, LLC | 5589 CHEVIOT ROAD CINCINNATI, OH 45247 | CUSTOM DESIGN BENEFITS | — | $27K | $27K | 3.50% |
| NATIONAL MEDICAL EXCESS LLC3 | 3171 N REPUBLIC BLVD TOLEDO, OH 43615 | CUSTOM DESIGN BENEFITS | $11K | — | $11K | 1.43% |
| SHERRILL D MORGAN & ASSOCIATES3 Filed as: SHERRILL D MORGAN & ASSOC | 525 W 5TH ST SUITE 310 COVINGTON, KY 41011 | CUSTOM DESIGN BENEFITS | $10K | — | $10K | 1.29% |
| MEDICAL MUTUAL OF OHIO3 | 2060 9TH STREET CLEVELAND, OH 44115 | CUSTOM DESIGN BENEFITS | $7K | — | $7K | 0.91% |
| SHERRILL D MORGAN & ASSOCIATES3 Filed as: SHERRILL D MORGAN & ASSOC | 525 W 5TH ST SUITE 310 COVINGTON, KY 41011 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 9.20% |
| CORNERSTONE BROKER INS SERVICES3 | 2101 FLORENCE AVE CINCINNATI, OH 45206 | ANTHEM LIFE INSURANCE COMPANY | — | $2K | $2K | 4.94% |
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 | 35 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 49 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CUSTOM DESIGN BENEFITS | 49 | $772K |
| Dental | DENTAL CARE PLUS | 49 | $50K |
| Vision | CUSTOM DESIGN BENEFITS | 49 | $772K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 49 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 49 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.