| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE & FINANCIAL DBA SBS A | 250 W. OLD WILSON BRIDGE RD. STE 190 WORTHINGTON, OH 43085 | SIDECAR HEALTH INSURANCE COMPANY | $38K | $0 | $38K | 4.55% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | SIDECAR HEALTH INSURANCE COMPANY | $18K | $0 | $18K | 2.16% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES COMPANY DBA FIRST I | 5520 MONROE STREET SYLVANIA, OH 43560 | SIDECAR HEALTH INSURANCE COMPANY | $12K | $0 | $12K | 1.41% |
| DKG INS & FINANCIAL SERV INC.3 Filed as: DKG INS & FINACIAL SERVICES | 1133 WESTCHESTER AVE. SUITE 229 WEST HARRISON, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 5.48% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 12404 PARK CENTRAL SUITE 400S DALLAS, TX 75251 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 2.12% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE MIDWES | PO BOX 700 DEFIANCE, OH 43512 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 1.27% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $2K | $6K | 7.66% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE COLUMBUS | 250 W OLD WILSON BRIDGE ROAD SUITE 190 WORTHINGTON, OH 43085 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 2.34% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE MIDWES | 511 5TH ST DEFIANCE, OH 43512 | UNITED HEALTHCARE INSURANCE COMPANY | $434 | $0 | $434 | 0.52% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SIDECAR HEALTH INSURANCE COMPANY | 202 | $913K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 202 | $83K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 202 | $83K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 122 | $105K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 122 | $105K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 122 | $105K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 122 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.