| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABERDEEN FINANCIAL GROUP INC3 Filed as: ABERDEEN FINANCIAL GROUP INC. | 7041 CORPORATE WAY DAYTON, OH 45459 | COMMUNITY INSURANCE COMPANY (G1728) | $18K | — | $18K | 1.82% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY (G1728) | $5K | — | $5K | 0.45% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | SUPERIOR DENTAL CARE, INC. | $3K | — | $3K | 6.91% |
| ABERDEEN FINANCIAL GROUP INC3 Filed as: ABERDEEN FINANCIAL GROUP INC. | 7041 CORPORATE WAY CENTERVILLE, OH 454594223 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.02% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.95% |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY (G1728) | 105 | $996K |
| Dental | SUPERIOR DENTAL CARE, INC. | 116 | $42K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $34K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $34K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $34K |
| Other | COMMUNITY INSURANCE COMPANY (G1728) | 206 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.