| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL CONNELLAN3 Filed as: MICHAEL CONNELLAN JR. | 3802 TREADWAY TRAIL HAMILTON, OH 450111127 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $33K | $39K | 2.82% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICES AGC | 2101 FLORENCE AVE. CINCINNATI, OH 452062426 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 1.09% |
| MICHAEL CONNELLAN3 | 3802 TREADWAY TRAIL HAMILTON, OH 45011 | COVENTRY HEALTH CARE OF GEORGIA | $26K | — | $26K | 9.99% |
| MICHAEL CONNELLAN3 Filed as: MICHAEL CONNELLAN JR. | 3802 TREADWAY TRAIL HAMILTON, OH 45011 | SUNLIFE AND HEALTH INSURANCE CO. (US) | $16K | — | $16K | 20.00% |
| MICHAEL CONNELLAN3 Filed as: MICHAEL CONNELLAN JR | 3802 TREADWAY TRAIL HAMILTON, OH 450111127 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.02% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICES AGC | 2101 FLORENCE AVE CINCINNATI, OH 45206 | PRINCIPAL LIFE INSURANCE COMPANY | $790 | $235 | $1K | 3.90% |
| MICHAEL CONNELLAN3 | 3802 TREADWAY TRAIL HAMILTON, OH 450111127 | VISION SERVICE PLAN | $853 | — | $853 | 6.62% |
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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 441 | $1.6M |
| Vision | VISION SERVICE PLAN | 93 | $13K |
| Life insurance | SUNLIFE AND HEALTH INSURANCE CO. (US) | 199 | $80K |
| Short-term disability | SUNLIFE AND HEALTH INSURANCE CO. (US) | 199 | $80K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 95 | $26K |
| Other | SUNLIFE AND HEALTH INSURANCE CO. (US) | 199 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.