| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE, INC. | 8260 NORTHCREEK DRIVE SUITE 200 CINCINNATI, OH 45236 | HUMANA HEALTH PLAN OF OHIO, INC. | $42K | $5K | $47K | 4.34% |
| HAUSER INC3 Filed as: HAUSER INSURANCE GROUP | 8260 NORTHCREEK DRIVE SUITE 200 CINCINNATI, OH 45236 | DENTAL CARE PLUS, INC. | $3K | — | $3K | 4.27% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE, INC. | 8260 NORTHCREEK DRIVE SUITE 200 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.82% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE, INC. | 8260 NORTHCREEK DRIVE SUITE 200 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE, INC. | 8260 NORTHCREEK DRIVE SUITE 200 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE COMPANY | $1K | — | $1K | 11.19% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE, INC. | 8260 NORTHCREEK DRIVE SUITE 200 CINCINNATI, OH 45236 | EYEMED VISION CARE | $996 | — | $996 | 9.84% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE, INC. | 8260 NORTHCREEK DRIVE SUITE 200 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 151.57% |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF OHIO, INC. | 124 | $1.1M |
| Dental | DENTAL CARE PLUS, INC. | 132 | $78K |
| Vision | EYEMED VISION CARE | 121 | $10K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 190 | $32K |
| Short-term disability(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 190 | $33K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 187 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.