| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAI INSURANCE AGENCY INC3 Filed as: CAI INSURANCE AGENCY, INC. | 2035 READING ROAD CINCINNATI, OH 45202 | DENTAL CARE PLUS, INC. | $3K | — | $3K | 4.40% |
| CAI INSURANCE AGENCY INC3 Filed as: CAI INSURANCE AGENCY, INC. | 2035 READING ROAD CINCINNATI, OH 45202 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAI INSURANCE AGENCY, INC. EIN 31-0572951 NONE | Contract Administrator; Consulting (general); Claims processing; Plan Administrator Service code 12 | 2035 READING ROAD CINCINNATI, OH 45202 | $45K |
| SUPERMED EIN 34-0648820 NONE | Other insurance fees and expenses Service code 73 | P.O. BOX 951920 CLEVELAND, OH 44193 | $17K |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 153 | $72K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 120 | $55K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 120 | $55K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 166 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
No prospect flags tripped on this filing.