| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEK ROAD SUITE 500 FORT LAUDERDALE, FL 33309 | COMMUNITY INSURANCE COMPANY | $98K | $5K | $103K | 2.88% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | DENTAL CARE PLUS, INC. | $12K | $0 | $12K | 5.95% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 20.09% |
| USI INSURANCE SERVICES LLC3 | 1 SEAGATE, SUITE 1850 TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $4K | $4K | 7.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 8.37% |
| SHANA WOLF3 Filed as: SHANA R. WOLF | 11260 CHESTER ROAD, SUITE 100 CINCINNATI, OH 45246 | AFLAC | $3K | $90 | $3K | 13.69% |
| TREVOR M. FRYE3 | 7276 STATE ROAD CINCINNATI, OH 45230 | AFLAC | $1K | $176 | $1K | 6.92% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOCIATES, LLC | 6324 TARTON FIELDS LANE MASON, OH 45040 | AFLAC | $343 | $10 | $353 | 1.81% |
| JAIME MASON GAUDET3 | 11260 CHESTER ROAD, SUITE 500 CINCINNATI, OH 45246 | AFLAC | $119 | $52 | $171 | 0.88% |
| GENESIS & ASSOCIATES LLC3 Filed as: GENESIS AND ASS., LLC AND AGENTS | 838 ACKLEY ROAD CINCINNATI, OH 45255 | AFLAC | $161 | $0 | $161 | 0.83% |
| THE CHAPPANO GROUP, LLC3 | 116 WASHINGTON AVENUE LOCKLAND, OH 45215 | AFLAC | $79 | $13 | $92 | 0.47% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AFLAC | $32 | $0 | $32 | 0.16% |
| SHANA WOLF3 Filed as: SHANA R. WOLF | 11260 CHESTER ROAD, SUITE 100 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | $0 | $103 | 2.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | $0 | $97 | 1.92% |
| MELISSA A BRINKER3 Filed as: MELISSA A. BRINKER | 8150 CORPORATE PARK DRIVE SUITE 222 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | $0 | $81 | 1.61% |
| BRIAN J DAY3 Filed as: BRIAN J. DAY AND OTHER AGENTS | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | $0 | $74 | 1.47% |
| GENESIS & ASSOCIATES LLC3 Filed as: GENESIS AND ASSOCIATES, LLC | 838 ACKLEY ROAD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | $0 | $37 | 0.73% |
| MICHAEL D AISSEN3 Filed as: MICHAEL D. AISSEN | 920 HOLCOMB BRIDGE ROAD, SUITE 200 ROSWELL, GA 30076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | $0 | $36 | 0.71% |
| KATHRYN HOFFMAN3 Filed as: KATHRYN E. HOFFMAN | 755 DORGENE LANE CINCINNATI, OH 45244 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.42% |
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 | 559 | 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) | 559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 651 | $3.6M |
| Dental | DENTAL CARE PLUS, INC. | 671 | $200K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 520 | $35K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 559 | $288K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 559 | $235K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 559 | $235K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 651 | $3.6M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 559 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 671 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.