| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY | $13K | — | $13K | 2.27% |
| DENNIS J SWEENEY3 Filed as: DENNIS SWEENEY COMPANY | 3534 PINEHURST AVENUE CINCINNATI, OH 45208 | COMMUNITY INSURANCE COMPANY | $6K | — | $6K | 1.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI | 21600 OXNARD STREET WOODLAND HILLS, CA 91367 | HEALTH NET | $9K | — | $9K | 2.17% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY | $3K | — | $3K | 7.31% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKERS | 2101 FLOREANCE AVENUE CINCINNATI, OH 45206 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI | 21600 OXNARD STREET WOODLAND HILLS, CA 91367 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA | $608 | — | $608 | 9.41% |
| CBISA REACQUISITION CORP3 Filed as: CBISA | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY | $3K | — | $3K | — |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 70 | $406K |
| Dental(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 107 | $47K |
| Vision | COMMUNITY INSURANCE COMPANY | 107 | $554K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 133 | $36K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 133 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.