| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $40K | $40K | 4.11% |
| UMR, INC.3 Filed as: UMR INC. | 11 SCOTT STREET STE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 0.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF OHIO | — | $575 | $575 | 0.27% |
| KRISTY J FISHBACK3 | PO BOX 405 BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 5.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 720 PETE ROSE WAY SUITE 400 CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 3.87% |
| THOMAS FISHBACK3 | PO BOX 405 BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.54% |
| MITCHELL S SMITH3 | 5725 CHAPEL HEIGHTS LANE CINCINNATI, OH 45247 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.88% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC. LLC | 7814 CRAINDOW CT DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.74% |
| MARK E CASE3 | 6821 WELLINGTON PLACE CASTLE PINES, CO 80108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | 10 S LA SALLE STREET SUITE 3000 CHICAGO, IL 60603 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.61% |
| GROVE FINANCIAL LLC3 | 4502 GLENBROOK DRIVE PALM HARBOR, FL 34683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $924 | — | $924 | 0.55% |
| MICHAEL D AISSEN3 | 920 HOLCOMB BRIDGE ROAD SUITE 200 ROSWELL, GA 30076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $836 | — | $836 | 0.50% |
| GENESIS & ASSOCIATES LLC3 | 838 ACKLEY ROAD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $534 | — | $534 | 0.32% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $523 | — | $523 | 0.31% |
| CHRIS D BOULDREY3 | 340 WOODHILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $398 | — | $398 | 0.24% |
| LORI ANN KNAB3 Filed as: LORI A KNAB | 3792 HUBBLE ROAD CINCINNATI, OH 45247 | CONTINENTAL AMERICAN INSURANCE COMPANY | $359 | — | $359 | 0.21% |
| CHRISTOPHER E BIALKA3 | 4460 BLACK OAK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $359 | — | $359 | 0.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 580 NORTH 4TH STREET SUITE 400 COLUMBUS, OH 43215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.06% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVENUE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 720 PETE ROSE WAY SUITE 400 CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.04% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.04% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.04% |
| JAMES J GRETHEL3 | 865 CEDAR DRIVE LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.03% |
| J GAUDET LLC3 | 11260 CHESTER ROAD STE 500 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.02% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD COURT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVENUE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $386K |
| HORAN ASSOCIATES INC. EIN 31-1004837 BROKER | Other fees; Other commissions; Claims processing Service code 12 | — | $19K |
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 | 679 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 589 | $212K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 679 | $308K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 679 | $308K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 679 | $308K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 602 | $969K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 679 | $475K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.