| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUCHANEK PARTNERS LLC3 Filed as: SUCHANEK PARTNERS | 11427 REED HARTMAN HIGHWAY CINCINNATI, OH 45241 | DENTAL CARE PLUS, INC. | $3K | — | $3K | 4.35% |
| JASON S. SUCHANEK3 | 11427 REED HARTMAN HWY STE. 126 BLUE ASH, OH 452412418 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 14.48% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS. SERVICES | AGENCY INC. 2101 FLORENCE AVE. CINCINNATI, OH 45206 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.24% |
| JEFFREY G. CUTLER PROFIT SHARING PL3 | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $4K | $5K | 12.28% |
| JASON S. SUCHANEK3 Filed as: JASON S SUCHANEK | 11427 REED HARTMAN STE. 126 CINCINNATI, OH 45241 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 5.41% |
| JASON S. SUCHANEK3 Filed as: JASON SUCHANEK | 11427 REED HARTMAN HWY, STE. 126 CINCINNATI, OH 452412418 | VISION SERVICE PLAN | $884 | — | $884 | 6.44% |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 97 | $63K |
| Vision | VISION SERVICE PLAN | 81 | $14K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $102K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $102K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 146 | $982K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.