| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | HUMANA HEALTH PLAN OF OHIO, INC. | $68K | $9K | $76K | 2.26% |
| WEALTH MGMT GRP3 Filed as: WEALTH MANAGEMENT GROUP INC. | 822 NORTHGATE BOULEVARD SUITE 10 NEW ALBANY, IN 47150 | HUMANA HEALTH PLAN OF OHIO, INC. | $0 | $138 | $138 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $11K | $32K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | DENTAL CARE PLUS, INC. | $10K | $0 | $10K | 5.25% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNION SECURITY INSURANCE COMPANY | $10K | $3K | $14K | 26.90% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 9.99% |
| TREVOR M. FRYE3 | 7276 STATE ROAD CINCINNATI, OH 45230 | AFLAC | $2K | $0 | $2K | 16.59% |
| SHANA WOLF3 | 11260 CHESTER ROAD, SUITE 500 CINCINNATI, OH 45230 | AFLAC | $796 | $17 | $813 | 6.54% |
| JILLIAN N. WALTER3 | 6506 WALDORF PLACE CINCINNATI, OH 45230 | AFLAC | $684 | $0 | $684 | 5.50% |
| JAMES MASON GAUDET3 | 11260 CHESTER ROAD, SUITE 500 CINCINNATI, OH 45246 | AFLAC | $322 | $2 | $324 | 2.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AND OTHER AGENTS | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | AFLAC | $271 | $8 | $279 | 2.24% |
| THE CHAPPANO GROUP, LLC3 Filed as: THE CHAPPANO GROUP LLC | 116 WASHINGTON AVENUE LOCKLAND, OH 45215 | AFLAC | $146 | $0 | $146 | 1.17% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AFLAC | $33 | $0 | $33 | 0.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | $0 | $122 | 1.89% |
| MELISSA A BRINKER3 Filed as: MELISSA A. BRINKER | 8150 COPRORATE PARK DRIVE SUITE 222 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | $0 | $112 | 1.73% |
| SHANA WOLF3 Filed as: SHANA R. WOLF | 11260 CHESTER ROAD, SUITE 100 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | $0 | $111 | 1.72% |
| MJ INSURANCE3 Filed as: BRIAN J. DAY AND VARIOUS AGENTS | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | $0 | $93 | 1.44% |
| GENESIS & ASSOCIATES LLC3 Filed as: GENESIS AND ASSOCIATES LLC | 838 ACKLEY ROAD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 0.85% |
| MICHAEL D AISSEN3 Filed as: MICHAEL D. AISSEN | 920 HOLCOMB BRIDGE ROAD SUITE 200 ROSEWELL, GA 30076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | $0 | $54 | 0.84% |
| KATHRYN HOFFMAN3 Filed as: KATHRYN E. HOFFMAN | 755 DORGENE LANE CINCINNATI, OH 45244 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | $0 | $32 | 0.50% |
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 | 540 | 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) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF OHIO, INC. | 395 | $3.4M |
| Dental | DENTAL CARE PLUS, INC. | 647 | $197K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 500 | $36K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 540 | $264K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 540 | $214K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 540 | $214K |
| Prescription drug | HUMANA HEALTH PLAN OF OHIO, INC. | 395 | $3.4M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 540 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 647 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.