| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY E BOWLING3 | PO BOX 927 HAMILTON, OH 45012 | COMMUNITY INSURANCE COMPANY | $47K | $3K | $50K | 3.19% |
| LARRY E BOWLING3 | PO BOX 927 HAMILTON, OH 45012 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 7.75% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SVCS | 2101 FLORENCE AVE CINCINNATI, OH 45206 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.97% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE INSURANCE & FINANCIAL S | 2101 FLORENCE AVE CINCINNATI, OH 45206 | DENTAL CARE PLUS INC | $1K | — | $1K | 2.25% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 150 | $1.6M |
| Dental | DENTAL CARE PLUS INC | 266 | $58K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $103K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $103K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.