| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JASON S. SUCHANEK3 Filed as: JASON SUCHANEK | 11427 REED HARTMAN HIGHWAY STE. 126 CINCINNATI, OH 45241 | MEDICAL MUTUAL | $34K | $26K | $60K | 3.03% |
| JASON S. SUCHANEK3 Filed as: JASON SUCHANEK | 11427 REED HARTMAN HIGHWAY CINCINNATI, OH 45241 | DENTAL CARE PLUS, INC. | $3K | — | $3K | 5.35% |
| JASON S. SUCHANEK3 | 11427 REED HARTMAN HWY STE. 126 BLUE ASH, OH 452412418 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.74% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS. SERVICES | AGENCY INC. 2101 FLORENCE AVE. CINCINNATI, OH 45206 | PRINCIPAL LIFE INSURANCE COMPANY | $641 | — | $641 | 2.33% |
| JASON S. SUCHANEK3 Filed as: JASON SUCHANEK | 11427 REED HARTMAN HWY, STE. 126 CINCINNATI, OH 452412418 | VISION SERVICE PLAN | $811 | — | $811 | 6.93% |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 130 | $2.0M |
| Dental | DENTAL CARE PLUS, INC. | 173 | $51K |
| Vision | VISION SERVICE PLAN | 71 | $12K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 185 | $28K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 185 | $28K |
| Prescription drug | MEDICAL MUTUAL | 130 | $2.0M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 185 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.