| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP COPORATE SERVICES (OH) INC. | 7438 JAGER CT. CINCINNATI, OH 45230 | HUMANA HEALTH PLAN OF OHIO, INC. | $29K | $3K | $33K | 4.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC. | 312 ELM ST., 24TH FL CINCINNATI, OH 45202 | HUMANA HEALTH PLAN OF OHIO, INC. | $17K | $1K | $18K | 2.25% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 7438 JAGER CT. CINCINNATI, OH 45230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC | 7438 JAGER CT CINCINNATI, OH 45230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $74 | $2K | 11.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | ATTN MIDWEST PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $522 | $61 | $583 | 4.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC. | 312 ELM ST., 24TH FL CINCINNATI, OH 45202 | HUMANA INSURANCE COMPANY | $772 | $27 | $799 | 6.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COPORATE SERVICES (OH) INC. | 7438 JAGER CT. CINCINNATI, OH 45230 | HUMANA INSURANCE COMPANY | $419 | — | $419 | 3.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COPORATE SERVICES (OH) INC. | 7438 JAGER CT. CINCINNATI, OH 45230 | KANAWHA INSURANCE COMPANY | $3K | — | $3K | 31.64% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC INC. | 4990 E GALBRAITH RD, #102 CINCINNATI, OH 45236 | KANAWHA INSURANCE COMPANY | $8 | $2 | $10 | 0.10% |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF OHIO, INC. | 103 | $797K |
| Vision | HUMANA INSURANCE COMPANY | 72 | $12K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $94K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $84K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $98K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.