| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JASON S. SUCHANEK3 | 11427 REED HARTMAN HWY STE 126 CINCINNATI, OH 45241 | MEDICAL MUTUAL OF OHIO | $51K | $5 | $51K | 17.31% |
| MEDICAL MUTUAL3 Filed as: MEDICAL MUTUAL SERVICES | 2060 EAST 9TH STREET CLEVELAND, OH 44115 | MEDICAL MUTUAL OF OHIO | — | $17K | $17K | 5.82% |
| JASON S. SUCHANEK3 | 11427 REED HARTMAN HWY STE 126 BLUE ASH, OH 45241 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | — | $19K | 16.95% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SERVIC | 2101 FLORENCE AVE CINCINNATI, OH 452062426 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 5.80% |
| JASON S. SUCHANEK3 | 11427 REED HARTMAN HWY STE 126 CINCINNATI, OH 45241 | THE DENTAL CARE PLUS GROUP | $3K | — | $3K | 4.21% |
| JASON S. SUCHANEK3 | 11427 REED HARTMAN HWY STE 126 CINCINNATI, OH 45241 | VISION SERVICE PLAN | $1K | — | $1K | 9.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Claims processing; Other services; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1351 WILLIAM HOWARD TAFT RD. CINCINNATI, OH 45206 | $38K |
| JASON SUCHANEK NONE | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 11427 REED HARTMAN HWY CINCINNATI, OH 45241 | $6K |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 50 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE DENTAL CARE PLUS GROUP | 252 | $77K |
| Vision | VISION SERVICE PLAN | 130 | $16K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 230 | $115K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 230 | $115K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 230 | $115K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 162 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.