| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLMENT MANAGEMENT SERVICES3 | 6934 MIAMI AVENUE, SUITE 10 CINCINNATI, OH 45243 | MEDICAL MUTUAL | $21K | $109 | $21K | 2.89% |
| ENROLLMENT MANAGEMENT SERVICES3 Filed as: ENROLLMENT MANAGEMENT SERVICES LLC | PO BOX 43146 MADEIRA, OH 452430146 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 9.21% |
| CBISA REACQUISITION CORP3 Filed as: CBISA REACQUISTION CORP. | 2101 FLORENCE AVE CINCINNATI, OH 45206 | HUMANA DENTAL INSURANCE COMPANY | $7K | — | $7K | 14.64% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 107 | $731K |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 91 | $46K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 171 | $97K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 171 | $97K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 171 | $97K |
| Prescription drug | MEDICAL MUTUAL | 107 | $731K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 171 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.