| 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 | $7K | $24K | 12.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAI INSURANCE EIN 31-0572951 NONE | Contract Administrator; Plan Administrator; Claims processing; Consulting (general) Service code 12 | — | $0 |
| CUSTOM DESIGN BENEFITS, LLC EIN 81-0798821 NONE | Claims processing Service code 12 | — | $0 |
| MEDICAL MUTUAL OF OHIO EIN 34-0648820 NONE | Other insurance fees and expenses Service code 73 | — | $0 |
| PAYER COMPASS EIN 46-2047081 NONE | Claims processing Service code 12 | — | $0 |
| RX RESULTS EIN 26-3233073 NONE | Contract Administrator Service code 13 | — | $0 |
| THE PHIA GROUP EIN 46-1439866 NONE | Consulting (general) Service code 16 | — | $0 |
| ZELIS (GLOBAL CARE) EIN 31-1407689 | Other insurance fees and expenses Service code 73 | — | $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 | 199 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $198K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $198K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $198K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $198K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $198K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 0 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.