| 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 | $212 | $9K | $9K | 2.66% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICES AGC | 2101 FLORENCE AVE. CINCINNATI, OH 452062426 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.80% |
| MICHAEL CONNELLAN3 | 3802 TREADWAY TRAIL HAMILTON, OH 45011 | COVENTRY HEALTH CARE OF GEORGIA | $14K | — | $14K | 5.95% |
| MICHAEL CONNELLAN3 | 3802 TREADWAY TRAIL HAMILTON, OH 45011 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $1K | $18K | 21.53% |
| SOBA REACQUISITION CORP3 Filed as: SOBA REACQUISITION CORP., DBA ARC B | 2101 FLORENCE AVE CINCINNATI, OH 45206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| MICHAEL CONNELLAN3 | 3802 TREADWAY TRAIL HAMILTON, OH 45011 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $456 | $4K | 12.79% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SERV | 2101 FLORENCE AVE CINCINNATI, OH 45206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| MICHAEL CONNELLAN3 | 3802 TREADWAY TRAIL HAMILTON, OH 45011 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $449 | $6K | 21.50% |
| SOBA REACQUISITION CORP3 Filed as: SOBA REACQUISITION CORP. DBA ARC BE | 2101 FLORENCE AVE. CINCINNATI, OH 45206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| MICHAEL CONNELLAN3 | 3802 TREADWAY TRAIL HAMILTON, OH 450111127 | VISION SERVICE PLAN | $992 | — | $992 | 5.91% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $565K |
| Vision | VISION SERVICE PLAN | 111 | $17K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 194 | $83K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 66 | $30K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $32K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 194 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.