| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER CT. CINCINNATI, OH 45230 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | $3K | $25K | 13.98% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICES AGY | 2101 FLORENCE AVE. CINCINNATI, OH 45206 | SUN LIFE ASSURANCE COMPANY OF VANADA | $5K | $0 | $5K | 3.15% |
| DENNIS J SWEENEY3 Filed as: DENNIS J. SWEENEY | 3534 PINEHURST AVE CINCINNATI, OH 45208 | SUN LIFE ASSURANCE COMPANY OF VANADA | $1K | $0 | $1K | 0.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OH) INC. | 7438 JAGER CT. CINCINNATI, OH 45230 | SUN LIFE ASSURANCE COMPANY OF VANADA | $233 | $0 | $233 | 0.14% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF VANADA | 213 | $168K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF VANADA | 213 | $168K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 183 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.