| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | DENTAL CARE PLUS, INC. | $2K | $0 | $2K | 1.40% |
| SHANA WOLF3 Filed as: SHANA R. WOLF | 11260 CHESTER ROAD, SUITE 100 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $293 | $0 | $293 | 3.45% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NE, INC. | 250 EAST 5TH STREET, SUITE 2300 CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | $0 | $218 | 2.57% |
| INGER M PENNINGTON3 Filed as: INGER PENNINGTON AND OTHER AGENTS | 7179 HONEYWOOD COURT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $189 | $0 | $189 | 2.23% |
| CHRISTOPHER E BIALKA3 Filed as: CHRISTOPHER E. BIALKA | 4460 BLACK OAK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $137 | $0 | $137 | 1.61% |
| TYSIER SHEHADI3 | 11260 CHESTER ROAD, SUITE 100 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | $0 | $124 | 1.46% |
| THE CHAPPANO GROUP, LLC3 | 3572 CONCERTO DRIVE CINCINNATI, OH 45241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | $0 | $80 | 0.94% |
| MELISSA A BRINKER3 Filed as: MELISSA A. BRINKER | 8150 CORPORATE PARK DRIVE SUITE 222 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | $0 | $73 | 0.86% |
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 | 275 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 452 | $141K |
| Vision | EYEMED VISION CARE | 301 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 275 | $86K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 275 | $86K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 275 | $86K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 275 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.