| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAI INSURANCE AGENCY INC3 Filed as: CAI/INSURANCE AGENCY INC | 2035 READING ROAD CINCINNATI, OH 45202 | COMMUNITY INSURANCE COMPANY | $18K | $705 | $18K | 2.43% |
| SECOND ACT BENEFITS INC3 | 424 WARDS CORNER ROAD SUITE 120 LOVELAND, OH 45140 | COMMUNITY INSURANCE COMPANY | -$68 | — | -$68 | -0.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 7.32% |
| CAI INSURANCE AGENCY INC3 Filed as: CAI/INSURANCE AGENCY, INC | 2035 READING ROAD CINCINNATI, OH 45202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.71% |
| CAI INSURANCE AGENCY INC3 Filed as: CAI/INSURANCE AGENCY, INC | 2035 READING ROAD CINCINNATI, OH 45202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $766 | $766 | 5.00% |
| CAI INSURANCE AGENCY INC3 Filed as: CAI/INSURANCE AGENCY, INC | 2035 READING ROAD CINCINNATI, OH 45202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $646 | $646 | 5.00% |
| CAI INSURANCE AGENCY INC3 Filed as: CAI/INSURANCE AGENCY, INC | 2035 READING ROAD CINCINNATI, OH 45202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $409 | $409 | 7.15% |
| CAI INSURANCE AGENCY INC3 Filed as: CAI/INSURANCE AGENCY, INC | 2035 READING ROAD CINCINNATI, OH 45202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $853 | — | $853 | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $291 | $291 | 5.12% |
| CAI INSURANCE AGENCY INC3 Filed as: CAI/INSURANCE AGENCY, INC | 2035 READING ROAD CINCINNATI, OH 45202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $474 | — | $474 | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $237 | $237 | 5.00% |
| CAI INSURANCE AGENCY INC3 Filed as: CAI/INSURANCE AGENCY, INC | 2035 READING ROAD CINCINNATI, OH 45202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $946 | — | $946 | 19.99% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $237 | $237 | 5.01% |
| CAI INSURANCE AGENCY INC3 Filed as: CAI/INSURANCE AGENCY, INC | 2035 READING ROAD CINCINNATI, OH 45202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $886 | — | $886 | 20.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $221 | $221 | 4.99% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 53 | $752K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $22K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 56 | $5K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $15K |
| Other(6 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.