| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY | $109K | $0 | $109K | 3.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $9K | $32K | 13.99% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | DENTAL CARE PLUS, INC. | $8K | $0 | $8K | 4.52% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $4K | $13K | 27.21% |
| 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 | 11.56% |
| SHANA WOLF3 Filed as: SHANA R. WOLF | 11260 CHESTER ROAD, SUITE 100 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | $0 | $133 | 2.77% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | $0 | $124 | 2.58% |
| BRIAN J DAY3 Filed as: BRIAN J. DAY AND OTHER AGENTS | 874 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | $0 | $54 | 1.12% |
| MICHAEL D AISSEN3 Filed as: MICHAEL D. AISSEN | 920 HOLCOMB BRIDGE ROAD, SUITE 200 ROSWELL, GA 30076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | $0 | $42 | 0.87% |
| GENESIS & ASSOCIATES LLC3 Filed as: GENESIS AND ASSOCIATES, LLC | 838 ACKLEY ROAD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.81% |
| KATHRYN HOFFMAN3 Filed as: KATHRYN E. HOFFMAN | 755 DORGENE LANE CINCINNATI, OH 45244 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.48% |
| MELISSA A BRINKER Filed as: MELISSA A. BRINKER | 8150 CORPORATE PARK DRIVE SUITE 222 CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.06% |
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 | 401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 625 | $3.6M |
| Dental | DENTAL CARE PLUS, INC. | 644 | $185K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 529 | $36K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 522 | $279K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 522 | $230K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 522 | $230K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 625 | $3.6M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 522 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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.