| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 2.38% |
| ONE80 INTERMEDIARIES INC3 | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $2K | $13K | 18.20% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 1.50% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $566 | $566 | 0.80% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 8051 WASHINTON VILLAGE DRIVE DAYTON, OH 45458 | SUPERIOR DENTAL CARE | $4K | — | $4K | 6.23% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 234 | $1.0M |
| Dental | SUPERIOR DENTAL CARE | 87 | $62K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 234 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 234 | $1.1M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 101 | $71K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 101 | $71K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 234 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.