| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 7438 JAGER COURT CINCINNATI, OH 45230 | HUMANA HEALTH PLAN OF OHIO, INC. | $87K | $806 | $87K | 3.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 4700 ROCKSIDE ROAD, SUITE 540 INDEPENDENCE, OH 44141 | DELTA DENTAL OF OHIO | $8K | $0 | $8K | 5.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 7438 JAGER COURT CINCINNATI, OH 45230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 10.00% |
| BENEFIT RESOURCES, INC.3 Filed as: BENEFIT RESOURCES | 7438 JAGER COURT CINCINNATI, OH 45230 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| INSURANCE ASSOCIATES PLUS, INC.3 Filed as: INSURANCE ASSOCIATES PLUS INC | 100 CROWN POINTE PLACE CINCINNATI, OH 45241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $827 | $0 | $827 | 4.12% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF OHIO, INC. | 171 | $2.3M |
| Dental | DELTA DENTAL OF OHIO | 421 | $158K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 284 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $115K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $115K |
| Prescription drug | HUMANA HEALTH PLAN OF OHIO, INC. | 171 | $2.3M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.