| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62889 VIRGINA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY | $25K | $290 | $25K | 2.60% |
| REB CONSULTING, INC.3 Filed as: REB CONSULTING | 300 W. WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COMMUNITY INSURANCE COMPANY | $25K | $0 | $25K | 2.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDEWEST LLC | 312 ELM STREET 24TH FLOOR CINCINNATI, OH 45202 | COMMUNITY INSURANCE COMPANY | $0 | $281 | $281 | 0.03% |
| SOMMER, EDWARD D3 Filed as: SOMMER, EDWARD D. A. | 300 WEST WILSON BRIDGE ROAD WORTHINGTON, OH 43085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $626 | $0 | $626 | 4.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $369 | $0 | $369 | 2.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 300 W. WILSON BRIDGE ROAD VIRGINIA, OH 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $211 | $0 | $211 | 1.59% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET 24TH FLOOR CINCINNATI, OH 45202 | KANAWHA INSURANCE COMPANY | $647 | $0 | $647 | 6.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC. | 312 EKM STREET 24TH FLOOR CINCINNATI, OH 45202 | KANAWHA INSURANCE COMPANY | $436 | $0 | $436 | 4.26% |
| BINZER, THOMAS R3 | 312 ELM STREET 24TH FLOOR CINCINNATI, OH 45202 | KANAWHA INSURANCE COMPANY | $69 | $0 | $69 | 0.67% |
| PCA BENEFIT SOLUTIONS LLC3 Filed as: PCA BENEFIT SOLUTIONS INC. | 2133 LURAY AVE CINCINNATI, OH 45206 | KANAWHA INSURANCE COMPANY | $16 | $0 | $16 | 0.16% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC INC. | 4990 E. GALBRAITH ROAD #102 CINCINNATI, OH 452366711 | KANAWHA INSURANCE COMPANY | $13 | $0 | $13 | 0.13% |
| CINCINNATI BENEFIT SOLUTIONS3 | 4472 BRIDGETOWN ROAD CINCINNATI, OH 45211 | KANAWHA INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| EDWARD D SOMMER3 | 300 W. WILSON BRIDGE ROAD #300 WORTHINGTON, OH 43085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $453 | $0 | $453 | 8.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $352 | $0 | $352 | 6.56% |
| SOMMER, EDWARD D3 Filed as: ED SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORHTINGTON, OH 43085 | DENTAL CARE PLUS, INC. | $6K | $0 | $6K | — |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 289 | $963K |
| Dental | DENTAL CARE PLUS, INC. | 259 | $0 |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 192 | $19K |
| Life insurance | KANAWHA INSURANCE COMPANY | 20 | $10K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 20 | $10K |
| Other(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 22 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.