| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE LUKENS INSURANCE AGENCY | 895 CENTRAL AVE, SUITE 1100 CINCINNATI, OH 45202 | DELTA DENTAL OF OHIO | — | $12K | $12K | 3.74% |
| NEECE & ASSOCIATES3 | 4000 SMITH RD, SUITE 400 CINCINNATI, OH 45209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.22% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE & ASSOCIATES | 4000 SMITH RD. SUITE 400 CINCINNATI, OH 45209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | — |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE LUKINS EMPLOYEE BENEFITS | 895 CENTRAL AVE STE 1100 CINCINNATI, OH 45202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | — |
| MERITAIN HEALTH Filed as: AETNA LIFE INSURANCE COMPANY | 151 FARMINGTON AVE HARTFORD, CT 06156 | AETNA LIFE INSURANCE COMPANY | — | $46K | $46K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $430K |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 1,322 | $324K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,417 | $85K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 538 | $0 |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 811 | $0 |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,417 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,417 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.