| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REDTAIL LTD | 999 BREWSTER LANE #100 POWELL, OH 43065 | COMMUNITY INSURANCE COMPANY | $47K | $0 | $47K | 15.21% |
| REDTAIL LTD | 9999 BREWSTER LANE #100 POWELL, OH 43065 | GUARDIAN | — | $4K | $4K | 3.95% |
| RONALD S. MOONEY Filed as: RONALD S MOONEY DBA RHK GROUP | 5960 VENTURE DRIVE #B DUBLIN, OH 43017 | EYEMED VISION CARE | $574 | — | $574 | 9.95% |
| CORNERSTONE BROKER INS SERVICES Filed as: CORNERSTONE BROKER INSURANCE SVC | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | EYEMED VISION CARE | $287 | — | $287 | 4.98% |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.