| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBISA REACQUISITION CORP3 Filed as: CBISA REACQUISITION CORPORATION | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $68K | — | $68K | 14.70% |
| CINCINNATI BENEFIT SOLUTIONS3 Filed as: CINCINNATI BENEFIT SOLUTIONS, LLC | 4472 BRIDGETOWN ROAD CINCINNATI, OH 45211 | THE DENTAL CARE PLUS GROUP | $8K | — | $8K | 3.98% |
| CINCINNATI BENEFIT SOLUTIONS3 Filed as: CINCINNATI BENEFIT SOLUTIONS, LLC | 4472 BRIDGETOWN ROAD CINCINNATI, OH 45211 | MEDICAL MUTUAL | $72K | — | $72K | 100.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL SERVICES EIN 34-1922587 ADMIN FEES | Other services; Claims processing Service code 12 | — | $236K |
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 | 527 | 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) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE DENTAL CARE PLUS GROUP | 753 | $209K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 527 | $462K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 527 | $462K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 527 | $462K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL | 399 | $72K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 527 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 753 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.