| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $15K | $15K | 1.07% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $692 | $692 | 0.05% |
| PLANNED ADMINISTRATORS, INC.3 | UNKNOWN CINCINNATI, OH 45242 | BCS INSURANCE COMPANY | $0 | $90K | $90K | 13.90% |
| INSURANCE APPLICATIONS GROUP3 | UNKNOWN CINCINNATI, OH 45242 | BCS INSURANCE COMPANY | $53K | $0 | $53K | 8.22% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN CINCINNATI, OH 45242 | BCS INSURANCE COMPANY | $32K | $0 | $32K | 4.99% |
| PLANNED ADMINISTRATORS, INC.3 | UNKNOWN CINCINNATI, OH 45242 | 4 EVER LIFE INSURANCE COMPANY | $0 | $5K | $5K | 10.42% |
| INSURANCE APPLICATIONS GROUP3 | UNKNOWN CINCINNATI, OH 45242 | 4 EVER LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.35% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | 4 EVER LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.22% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN CINCINNATI, OH 45242 | 4 EVER LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.58% |
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 | 1,789 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,838 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 1,789 | $698K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF OHIO | 4,428 | $2.1M |
| Vision(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 3,234 | $819K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,858 | $1.5M |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,858 | $1.5M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,858 | $1.4M |
| Prescription drug(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 1,789 | $698K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,346 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,346 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.