| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE | 312 ELM ST, SUITE 2400 CINCINNATI, OH 45202 | THE DENTAL CARE PLUS GROUP | $3K | — | $3K | 5.35% |
| HAUSER INC3 Filed as: HAUSER INSURANCE GROUP | 8260 NORTHCREEK DR. SUITE 200 CINCINNATI, OH 45236 | THE DENTAL CARE PLUS GROUP | $1K | — | $1K | 2.85% |
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DR. SUITE 200 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $825 | $4K | 15.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 3176 NORFOLK, VA 23514 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $788 | — | $788 | 3.26% |
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DR. SUITE 200 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $539 | $3K | 16.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 3176 NORFOLK, VA 23514 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $225 | — | $225 | 1.26% |
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DR. SUITE 200 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $509 | $3K | 16.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 3176 NORFOLK, VA 23514 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $207 | — | $207 | 1.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 312 ELM ST 24TH FL CINCINNATI, OH 45202 | ANTHEM LIFE INSURANCE CO. | $637 | — | $637 | 16.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | 312 ELM ST 24TH FL CINCINNATI, OH 45202 | ANTHEM HEALTH PLANS OF KENTUCKY, DBA ANTHEM BLUE CROSS AND BLUE SHIELD | — | $7K | $7K | — |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTH CARE INSURANCE COMPANY | 125 | $858K |
| Dental | THE DENTAL CARE PLUS GROUP | 104 | $48K |
| Life insurance(3 contracts, 3 carriers) | UNITED HEALTH CARE INSURANCE COMPANY | 125 | $886K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 51 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 42 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.