| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS J SWEENEY3 Filed as: DENNIS SWEENEY COMPANY | 3534 PINEHURST AVENUE CINCINNATI, OH 45208 | UNITED HEALTHCARE | $13K | — | $13K | 3.00% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | UNITED HEALTHCARE | $5K | — | $5K | 1.28% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO | 601 UNION STREET SUITE 100 SEATTLE, WA 98101 | HEALTH NET | $23K | — | $23K | 7.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI | 21600 OXNARD STREET WOODLAND HILLS, CA 91367 | HEALTH NET | -$5K | — | -$5K | -1.53% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY | $4K | — | $4K | 8.00% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKERS | 2101 FLOREANCE AVENUE CINCINNATI, OH 45206 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | $658 | $6K | 15.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI | 21600 OXNARD STREET WOODLAND HILLS, CA 91367 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA | $654 | — | $654 | 10.80% |
| DENNIS J SWEENEY3 Filed as: DENNIS SWEENEY COMPANY | 3534 PINEHURST AVENUE CINCINNATI, OH 45208 | COMMUNITY INSURANCE COMPANY | $531 | — | $531 | 66.62% |
| CBISA REACQUISITION CORP3 Filed as: CBISA | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY | $266 | — | $266 | 33.38% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE | 108 | $734K |
| Dental(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 79 | $54K |
| Vision | COMMUNITY INSURANCE COMPANY | 103 | $797 |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 140 | $40K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 140 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.