| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUCHANEK PARTNERS LLC3 | 11427 REED HARTMAN HWY STE 126 CINCINNATI, OH 45241 | MEDICAL MUTUAL OF OHIO | $30K | — | $30K | 8.97% |
| MEDICAL MUTUAL3 Filed as: MEDICAL MUTUAL SERVICES | 2060 EAST 9TH STREET CLEVELAND, OH 45115 | MEDICAL MUTUAL OF OHIO | — | $28K | $28K | 8.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | MEDICAL MUTUAL OF OHIO | $20K | $26 | $20K | 6.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INSURANCE A MARSH & MCLENNAN | 309 WEBSTER ST DAYTON, OH 454021569 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 7.43% |
| JASON S. SUCHANEK3 | 11427 REED HARTMAN HWY STE 126 CINCINNATI, OH 45241 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 6.96% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SERVIC | 2101 FLORENCE AVE CINCINNATI, OH 452062426 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $2K | $9K | 5.41% |
| JASON S. SUCHANEK3 | 11427 REED HARTMAN HWY STE 126 CINCINNATI, OH 45241 | THE DENTAL CARE PLUS GROUP | $2K | — | $2K | 4.02% |
| JASON S. SUCHANEK3 | 11427 REED HARTMAN HWY STE 126 CINCINNATI, OH 45241 | VISION SERVICE PLAN | $1K | — | $1K | 11.40% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 312 | $206K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 312 | $170K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 312 | $161K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 312 | $161K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 312 | $161K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 148 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.