| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS NETWORK INSURANCE AGENCY3 Filed as: BENEFITS NETWORK INS AGCY INC | 4555 LAKE FOREST DRIVE, STE 510 CINCINNATI, OH 452423732 | COMMUNITY INSURANCE COMPANY | $35K | $1K | $36K | 3.16% |
| BROKERAGE NETWORK INS AGENCY INC3 | 4555 LAKE FOREST DRIVE, STE 510 CINCINNATI, OH 452423732 | COMMUNITY INSURANCE COMPANY | — | — | $0 | 0.00% |
| BENEFITS NETWORK INSURANCE AGENCY3 Filed as: BENEFITS NETWORK INS AGCY INC | 4555 LAKE FOREST DRIVE, STE 510 CINCINNATI, OH 45242 | DELTA DENTAL OF OHIO | $3K | — | $3K | 4.74% |
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DR., STE 200 CINCINNATI, OH 45236 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 14.80% |
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DR., STE 200 CINCINNATI, OH 45236 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $2K | — | $2K | 14.67% |
| BENEFITS NETWORK INSURANCE AGENCY3 Filed as: BENEFITS NETWORK INS AGCY INC | 4555 LAKE FOREST DRIVE, STE 510 CINCINNATI, OH 45242 | COMMUNITY INSURANCE COMPANY | — | — | $0 | 0.00% |
| BENEFITS NETWORK INSURANCE AGENCY3 Filed as: BENEFITS NETWORK INS AGCY INC | 4555 LAKE FOREST DRIVE, STE 510 CINCINNATI, OH 45242 | ANTHEM LIFE INSURANCE COMPANY | $806 | — | $806 | 9.92% |
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 | 177 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 307 | $1.1M |
| Dental | DELTA DENTAL OF OHIO | 315 | $70K |
| Vision | COMMUNITY INSURANCE COMPANY | 182 | $12K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 178 | $41K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | 160 | $14K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | 160 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.