| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLMENT MANAGEMENT SERVICES3 | 6934 MIAMI AVENUE, SUITE 10 CINCINNATI, OH 45243 | MEDICAL MUTUAL | $37K | — | $37K | 2.96% |
| ENROLLMENT MANAGEMENT SERVICES3 Filed as: ENROLLMENT MANAGEMENT SERVICES LLC | P.O. BOX 43146 MADEIRA, OH 452430146 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 6.60% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BENEFIT SOLUTIONS | 2101 FLORENCE AVE. CINCINNATI, OH 45206 | DENTAL CARE PLUS, INC. | $4K | — | $4K | 5.79% |
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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 151 | $1.2M |
| Dental | DENTAL CARE PLUS, INC. | 149 | $70K |
| Vision | MEDICAL MUTUAL | 151 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $156K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $156K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $156K |
| Prescription drug | MEDICAL MUTUAL | 151 | $1.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
No prospect flags tripped on this filing.