| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SCHELLER BRADFORD GROUP3 | 463 OHIO PIKE - STE 303 CINCINNATI, OH 45255 | SUPERIOR DENTAL CARE, INC. | $12K | — | $12K | 5.19% |
| THE SCHELLER BRADFORD GROUP3 | 463 OHIO PIKE - STE 303 CINCINNATI, OH 45255 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.47% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE S | 2101 FLORENCE AVE CINCINNATI, OH 45206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.25% |
| THE SCHELLER BRADFORD GROUP3 | 463 OHIO PIKE STE 303 CINCINNATI, OH 45255 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 3.59% |
| THE SCHELLER BRADFORD GROUP3 | 463 OHIO PIKE - STE 303 CINCINNATI, OH 45255 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.84% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE S | 2101 FLORENCE AVE CINCINNATI, OH 45206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $415 | $415 | 1.23% |
| HARDER, JOHN C3 | 463 OHIO PIKE, STE 303 CINCINNATI, OH 45255 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $136K |
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator; Float revenue; Other services Service code 12 | — | $54K |
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 | 360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE, INC. | 678 | $223K |
| Vision(2 contracts) | COMMUNITY INSURANCE COMPANY | 262 | $37K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $234K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $200K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | ZURICH NORTH AMERICAN INSURANCE COMPANY | 319 | $325K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 678 | — |
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.