| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JASON S. SUCHANEK3 | 11427 REED HARTMAN HWY STE 126 CINCINNATI, OH 45241 | COMMUNITY INSURANCE COMPANY | $62K | — | $62K | 28.69% |
| JASON S. SUCHANEK3 | 11427 REED HARTMAN HWY STE 126 CINCINNATI, OH 45241 | THE DENTAL CARE PLUS GROUP | $4K | — | $4K | 3.91% |
| JASON S. SUCHANEK3 | 11427 REED HARTMAN HWY STE 126 CINCINNATI, OH 45241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.08% |
| JASON S. SUCHANEK3 | 11427 REED HARTMAN HWY STE 126 CINCINNATI, OH 45241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 14.63% |
| JASON S. SUCHANEK3 | 11427 REED HARTMAN HWY STE 126 CINCINNATI, OH 45241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $982 | — | $982 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator; Other services Service code 12 | 1351 WILLIAM HOWARD TAFT RD. CINCINNATI, OH 45206 | $182K |
| JASON S SUCHANEK EIN 31-1440175 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 11427 REED HARTMAN HWY 126 CINCINNATI, OH 45241 | $62K |
| BENEFITS NETWORK INSURANCE AGENCY EIN 31-1440175 NONE | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 4555 LAKE FOREST DR. STE 510 CINCINNATI, OH 45242 | $5K |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE DENTAL CARE PLUS GROUP | 305 | $91K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $48K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 308 | $77K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 308 | $77K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 311 | $216K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.