| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET 24TH FLOOR CINCINNATI, OH 45202 | MEDICAL MUTUAL OF OHIO | $25K | $8K | $33K | 4.62% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET SUITE 2400 CINCINNATI, OH 45202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 15.74% |
| ACCELERATED FINANCIAL PLANNING3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | -$285 | — | -$285 | -0.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | PO BOX 66119 VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY | $4K | $564 | $4K | 11.72% |
| USI INSURANCE SERVICES LLC3 | 222 S RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $635 | $2K | 16.34% |
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 | 97 | 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) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 80 | $723K |
| Dental | COMMUNITY INSURANCE COMPANY | 97 | $35K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 88 | $10K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 23 | $38K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 23 | $38K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 23 | $38K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 80 | $723K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 23 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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."
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.