| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVIC | 2101 FLORENCE AVE CINCINNATI, OH 45206 | AMERICA UNITED LIFE INSURANCE COMPANY | $10K | $2K | $13K | 12.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST | 312 ELM STREET SUITE 2400 CINCINNATI, OH 45202 | AMERICA UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 3.40% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE | 2101 FLORENCE AVE CINCINNATI, OH 45206 | DENTAL CARE PLUS, INC. | $2K | — | $2K | 4.20% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DENTAL CARE PLUS, INC. | $2K | — | $2K | 2.69% |
| ELIZABETH FORTNEY3 | 121 JOANN DR FLORENCE, KY 41042 | HARTFORD LIFE AND ACCIDENT | -$62 | — | -$62 | — |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 104 | $56K |
| Life insurance(2 contracts, 2 carriers) | AMERICA UNITED LIFE INSURANCE COMPANY | 198 | $100K |
| Short-term disability(2 contracts, 2 carriers) | AMERICA UNITED LIFE INSURANCE COMPANY | 198 | $100K |
| Long-term disability(2 contracts, 2 carriers) | AMERICA UNITED LIFE INSURANCE COMPANY | 198 | $100K |
| Other(2 contracts, 2 carriers) | AMERICA UNITED LIFE INSURANCE COMPANY | 198 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.