| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JASON S. SUCHANEK3 | 11427 REED HARTMAN STE. 126 CINCINNATI, OH 45241 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 2.51% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 100 SUMMIT LAKE DRIVE #400 VALHALLA, NY 10595 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 2.49% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SERVIC | 2101 FLORENCE AVE CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY | $886 | — | $886 | 1.51% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 10.29% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 8.37% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 105 | $60K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 186 | $49K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 186 | $49K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 158 | $653K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 186 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
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.