| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JASON S. SUCHANEK3 Filed as: JASON SUCHANEK | 11427 REED HARTMAN HWY, STE 126 BLUE ASH, OH 45241 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 14.07% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SVCS AGENCY | 2101 FLORENCE AVE CINCINNATI, OH 45206 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $1K | $4K | 4.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILL DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF OHIO | $815 | $0 | $815 | 2.74% |
| SUCHANEK PARTNERS LLC3 Filed as: SUCHANEK PARTNERS, LLC | 11427 REED HARTMAN HWY, STE 126 BLUE ASH, OH 45241 | DELTA DENTAL OF OHIO | $636 | $0 | $636 | 2.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST. DAYTON, OH 45402 | DELTA DENTAL OF OHIO | $199 | $0 | $199 | 0.67% |
| JASON S. SUCHANEK3 Filed as: JASON SUCHANEK | 11427 REED HARTMAN HWY, STE 126 CINCINNATI, OH 45241 | VISION SERVICE PLAN | $595 | $0 | $595 | 5.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | VISION SERVICE PLAN | $478 | $0 | $478 | 4.11% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 172 | $30K |
| Vision | VISION SERVICE PLAN | 79 | $12K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 214 | $77K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 214 | $77K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 120 | $930K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 214 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.