| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL CONNELLAN3 | 3802 TREEDWAY TRAIL HAMILTON, OH 45011 | MEDICAL MUTUAL | $44K | $17K | $61K | 4.44% |
| CORNERSTONE BROKER INS SERVICES3 | 2101 FLORENCE AVE. CINCINNATI, OH 45206 | MEDICAL MUTUAL | $6K | $1 | $6K | 0.43% |
| MICHAEL CONNELLAN3 Filed as: MICHAEL CONNELLAN JR. | 3802 TREADWAY TRAIL HAMILTON, OH 450111127 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 5.66% |
| MICHAEL CONNELLAN3 | 3802 TREADWAY TRL HAMILTON, OH 45011 | DELTA DENTAL OF OHIO | $5K | — | $5K | 4.75% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS. AGY., INC. | EVANGELINE BARNHART 2101 FLORENCE AVE. CINCINNATI, OH 45206 | DELTA DENTAL OF OHIO | $5K | — | $5K | 4.50% |
| MICHAEL CONNELLAN3 | 3802 TREADWAY TRAIL HAMILTON, OH 45011 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $845 | $18K | 20.97% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SERVIC | 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 | — | $4K | 11.35% |
| 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 | $322 | $6K | 21.17% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SERVIC | 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 | $965 | — | $965 | 6.02% |
| MICHAEL CONNELLAN3 Filed as: MICHAEL CONNELLAN JR. | 3802 TREADWAY TRAIL HAMILTON, OH 450111127 | UNITEDHEALTHCARE INSURANCE COMPANY | $897 | $153 | $1K | 14.13% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICES AGC | 2101 FLORENCE AVE. CINCINNATI, OH 452062426 | UNITEDHEALTHCARE INSURANCE COMPANY | $493 | — | $493 | 6.64% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | MEDICAL MUTUAL | 165 | $1.6M |
| Dental | DELTA DENTAL OF OHIO | 332 | $109K |
| Vision | VISION SERVICE PLAN | 98 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $87K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 54 | $28K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 103 | $31K |
| Prescription drug | MEDICAL MUTUAL | 165 | $1.4M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.