| 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 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $4K | $21K | 10.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAI INSURANCE AGENCY, INC. EIN 31-0572951 NONE | Claims processing; Plan Administrator; Consulting (general); Contract Administrator Service code 12 | 2035 READING ROAD CINCINNATI, OH 45202 | $0 |
| CUSTOM DESIGN BENEFITS, LLC EIN 81-0798821 NONE | Claims processing Service code 12 | 5589 CHEVIOT RD. CINCINNATI, OH 45202 | $0 |
| MEDICAL MUTUAL OF OHIO EIN 34-0648820 NONE | Other insurance fees and expenses Service code 73 | P.O. BOX 951920 CLEVELAND, OH 44193 | $0 |
| RX RESULTS EIN 26-3233073 NONE | Contract Administrator Service code 13 | 320 EXECUTIVE CT STE 201 LITTLE ROCK, AR 72205 | $0 |
| THE PHIA GROUP EIN 46-1439866 NONE | Consulting (general) Service code 16 | 163 BAY STATE DR. BRAINTREE, MA 02184 | $0 |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 236 | $191K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 236 | $191K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 236 | $191K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
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.