| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC | 7438 JAGER COURT CINCINNATI, OH 45230 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 3.26% |
| BENEFIT RESOURCE GROUP LLC3 Filed as: BENEFIT RESOURCE | 7438 JAGER COURT CINCINNATI, OH 45238 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $238 | $238 | 0.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE OH INC | 7438 JAGER COURT CINCINNATI, OH 45230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.00% |
| LIFETIME FINANCIAL GROWTH CO OF OHI3 Filed as: LIFETIME FINANCIAL GROWTH OF OHIO | 419 PLUM STREET SUITE 100 CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34 | — | $34 | 0.19% |
| LIFETIME FINANCIAL GROWTH CO OF OHI3 Filed as: LIFETIME FINANCIAL GROWTH OF OHIO | 419 PLUM STREET SUITE 100 CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES(OH)INC | 7438 JAGER COURT CINCINNATI, OH 45230 | HUMANA INSURANCE COMPANY | $1K | $34 | $1K | 10.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC | 7438 JAGER COURT CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC | 7438 JAGER COURT CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | — | $339 | $339 | 2.75% |
| NFP INSURANCE SERVICES INC3 | BUILDING 2 SUITE 125 1250 CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $170 | $170 | 1.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC | 7438 JAGER COURT CINCINNATI, OH 45230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $82 | $2K | 15.75% |
| NEP CORPORATE SERVICES OH INC3 | 7438 JAGER COURT CINCINNATI, OH 45230 | COMPBENEFITS INSURANCE COMPANY | $799 | $22 | $821 | 10.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OH) INC | 7438 JAGER COURT CINCINNATI, OH 45230 | HUMANA INSURANCE COMPANY | $662 | $142 | $804 | 12.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OH) INC | 7438 JAGER CT CINCINNATI, OH 45230 | KANAWHA INSURANCE COMPANY | $275 | $10 | $285 | 5.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC | 7438 JAGER COURT CINCINNATI, OH 45230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OH) INC | 7438 JAGER CT CINCINNATI, OH 45230 | COMPBENEFITS INSURANCE COMPANY | $313 | $74 | $387 | 12.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES OH IN | 7438 JAGER COURT CINCINNATI, OH 45230 | KANAWHA INSURANCE COMPANY | $58 | $16 | $74 | 4.48% |
| VOLUNTARY BENEFIT ADVISORS3 Filed as: VOLUNTARY BENEFIT AGENCY LLC | 68 NORTH HIGH STREET BUILDING B SUITE 201 NEW ALBANY, OH 43054 | AMERITAS LIFE INSURANCE CORP | $290 | — | $290 | 19.03% |
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 | 270 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $298K |
| Dental(6 contracts, 4 carriers) | HUMANA INSURANCE COMPANY | 36 | $35K |
| Vision(3 contracts, 2 carriers) | COMPBENEFITS INSURANCE COMPANY | 36 | $13K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $303K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 42 | $18K |
| Long-term disability | STANDARD INSURANCE COMPANY | 48 | $12K |
| Other(5 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.