| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMMUNITY INSURANCE COMPANY | $299 | — | $299 | 0.02% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC. | 8044 MONTGOMERY ROAD STE 405 CINCINNATI, OH 45236 | SUPERIOR DENTAL CARE INC. | $5K | — | $5K | 5.57% |
| GROVE FINANCIAL LLC3 | 4502 GLENBROOK DR. PALM HARBOR, FL 34683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 4.65% |
| CHRISTOPHER E BIALKA3 | 4460 BLACK OAK LAKE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 1.33% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NE, INC. | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 1.33% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT. CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.66% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD. WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.33% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD. WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.33% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 255 | $1.6M |
| Dental | SUPERIOR DENTAL CARE INC. | 278 | $91K |
| Vision | COMMUNITY INSURANCE COMPANY | 255 | $1.6M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 186 | $108K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 186 | $108K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 186 | $108K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 186 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.