| 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. | $89K | $698 | $90K | 3.76% |
| 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 | 4.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 7438 JAGER COURT CINCINNATI, OH 45230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $0 | $14K | 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 CROWNE POINT PLACE CINCINNATI, OH 45241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 7438 JAGER COURT CINCINNATI, OH 45230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $591 | $4 | $595 | 7.13% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF OHIO, INC. | 172 | $2.4M |
| Dental | DELTA DENTAL OF OHIO | 434 | $169K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 290 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 224 | $140K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 224 | $140K |
| Prescription drug | HUMANA HEALTH PLAN OF OHIO, INC. | 172 | $2.4M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 224 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.