| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REDTAIL LTD | 9999 BREWSTER LANE #100 POWELL, OH 43065 | COMMUNITY INSURANCE COMPANY | $36K | $2K | $39K | 15.44% |
| REDTAIL LTD | 9999 BREWSTER LANE POWELL, OH 43065 | GUARDIAN | — | $7K | $7K | 7.38% |
| RONALD S. MOONEY Filed as: RONALD S MOONEY DBA RHK GROUP | 5960 VENTURE DRIVE #B DUBLIN, OH 43017 | EYEMED VISION CARE | $646 | — | $646 | 10.88% |
| CORNERSTONE BROKER INS SERVICES Filed as: CORNERSTONE BROKER INSURANCE SVCS | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | EYEMED VISION CARE | $323 | — | $323 | 5.44% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 79 | $250K |
| Dental | GUARDIAN | 132 | $95K |
| Vision | EYEMED VISION CARE | 102 | $6K |
| Life insurance | GUARDIAN | 132 | $95K |
| Long-term disability | GUARDIAN | 132 | $95K |
| Other | GUARDIAN | 132 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.