| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. | 312 ELM ST 24TH FLOOR CINCINNATI, OH 452022701 | HUMANA HEALTH PLAN OF OHIO, INC. | $13K | $2K | $14K | 1.94% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST 24 FL CINCINNATI, OH 452022701 | HUMANA HEALTH PLAN OF OHIO, INC. | $8K | $326 | $8K | 1.09% |
| CAI INSURANCE AGENCY INC3 Filed as: CAI INS AGCY INC | 2035 READING ROAD CINCINNATI, OH 452021415 | HUMANA HEALTH PLAN OF OHIO, INC. | $2K | — | $2K | 0.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. | 312 ELM ST 24TH FLOOR CINCINNATI, OH 452022701 | HUMANA INSURANCE COMPANY | $2K | $3 | $2K | 4.15% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST 24 FL CINCINNATI, OH 452022701 | HUMANA INSURANCE COMPANY | $514 | — | $514 | 1.07% |
| CAI INSURANCE AGENCY INC3 Filed as: CAI INS AGCY INC | 2035 READING ROAD CINCINNATI, OH 452021415 | HUMANA INSURANCE COMPANY | $94 | — | $94 | 0.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. | PO BOX 3176 NORFOLK, VA 235143716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $2K | $3K | 10.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. | 312 ELM ST 24TH FLOOR CINCINNATI, OH 452022701 | COMPBENEFITS INSURANCE COMPANY | $704 | $43 | $747 | 6.03% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST 24 FL CINCINNATI, OH 452022701 | COMPBENEFITS INSURANCE COMPANY | $428 | — | $428 | 3.46% |
| CAI INSURANCE AGENCY INC3 Filed as: CAI INS AGCY INC | 2035 READING ROAD CINCINNATI, OH 45202 | COMPBENEFITS INSURANCE COMPANY | $106 | — | $106 | 0.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. | PO BOX 3176 NORFOLK, VA 235143716 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $437 | $500 | $937 | 10.59% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $890 | — | $890 | 10.06% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF OHIO, INC. | 108 | $736K |
| Dental | HUMANA INSURANCE COMPANY | 93 | $48K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 77 | $12K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $9K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $28K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.