| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INSURANCE, MARSH & MCLENNAN | 309 WEBSTER ST DAYTON, OH 45402 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $2K | $8K | 10.02% |
| JASON S. SUCHANEK3 Filed as: JASON SUCHANEK | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.74% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SVCS AGENCY | 2101 FLORENCE AVE CINCINNATI, OH 45206 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $290 | $2K | 2.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILL DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF OHIO | $625 | $0 | $625 | 6.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | VISION SERVICE PLAN | $277 | $0 | $277 | 9.86% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 159 | $10K |
| Vision | VISION SERVICE PLAN | 73 | $3K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $84K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $84K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.