| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DRIVE, STE 200 CINCINNATI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $29K | $29K | 2.74% |
| JAMES D THOMAS3 Filed as: JAMES D. THOMAS | 5451 ST. ANDREWS DR. WESTERVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 7.19% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 | 2706 BAR HARBOUR CT. LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 6.66% |
| DONALD W. HUGHETT3 | 10864 KRISTIRIDGE DR. CINCINNATI, OH 45252 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.72% |
| JOSEPH W. BRUNGS3 | 4000 SMITH RD. CINCINNATI, OH 45209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.63% |
| EVA BALLARD3 | 6668 FRONTIER DRIVE INDEPENDENCE, KY 41051 | DENTAL CARE PLUS, INC. | $3K | — | $3K | 4.34% |
| EVA BALLARD3 | 6668 FRONTIER DRIVE INDEPENDENCE, KY 41051 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.85% |
| EVA BALLARD3 | 6668 FRONTIER DRIVE INDEPENDENCE, KY 41051 | HUMANA COMPBENEFITS INSURANCE COMPANY | $1K | — | $1K | 9.17% |
| HAUSER INC3 Filed as: HAUSER ART INSURANCE INC | 8260 NORTHCREEK DRIVE, STE 200 CINCINNATI, OH 45236 | HUMANA COMPBENEFITS INSURANCE COMPANY | $121 | — | $121 | 0.83% |
| RICHARD C MILHAM3 | 411 TERRACE PLACE TERRACE PARK, OH 45174 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 12.00% |
| EVA BALLARD3 | 6668 FRONTIER DRIVE INDEPENDENCE, KY 41051 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 23.80% |
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 | 136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $1.1M |
| Dental | DENTAL CARE PLUS, INC. | 225 | $72K |
| Vision | HUMANA COMPBENEFITS INSURANCE COMPANY | 89 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $26K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $7K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 35 | $12K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 84 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.