| 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 | $54K | $11 | $54K | 16.57% |
| MEDICAL MUTUAL3 Filed as: MEDICAL MUTUAL SERVICES | 2060 EAST 9TH STREET CLEVELAND, OH 44115 | MEDICAL MUTUAL OF OHIO | — | $30K | $30K | 9.33% |
| JASON S. SUCHANEK3 | 11427 REED HARTMAN HWY STE 126 BLUE ASH, OH 45241 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | — | $19K | 15.86% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SERVIC | 2101 FLORENCE AVE CINCINNATI, OH 452062426 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 4.93% |
| JASON S. SUCHANEK3 | 11427 REED HARTMAN HWY STE 126 CINCINNATI, OH 45241 | THE DENTAL CARE PLUS GROUP | $3K | — | $3K | 3.96% |
| JASON S. SUCHANEK3 | 11427 REED HARTMAN HWY STE 126 CINCINNATI, OH 45241 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Float revenue; Contract Administrator Service code 12 | 1351 WILLIAM HOWARD TAFT RD. CINCINNATI, OH 45206 | $16K |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE DENTAL CARE PLUS GROUP | 273 | $79K |
| Vision | VISION SERVICE PLAN | 130 | $16K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 220 | $118K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 220 | $118K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 220 | $118K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 159 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.