| 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 | HUMANA HEALTH PLAN OF OHIO | $38K | — | $38K | 2.99% |
| BROKERAGE NETWORK INS AGENCY INC3 | 4555 LAKE FOREST DRIVE, STE 510 CINCINNATI, OH 452423732 | HUMANA HEALTH PLAN OF OHIO | — | — | $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 | 4.84% |
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DR., STE 200 CINCINNATI, OH 45236 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| BENEFITS NETWORK INSURANCE AGENCY3 Filed as: BENEFITS NETWORK INS AGCY INC | 4555 LAKE FOREST DRIVE, STE 510 CINCINNATI, OH 45242 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 9.12% |
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DR., STE 200 CINCINNATI, OH 45236 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $2K | — | $2K | 14.68% |
| BENEFITS NETWORK INSURANCE AGENCY3 Filed as: BENEFITS NETWORK INS AGCY INC | 4555 LAKE FOREST DRIVE, STE 510 CINCINNATI, OH 45242 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 13.71% |
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DR., STE 200 CINCINNATI, OH 45236 | UNION SECURITY INSURANCE COMPANY | $355 | — | $355 | 9.16% |
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 | 188 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF OHIO | 163 | $1.3M |
| Dental | DELTA DENTAL OF OHIO | 293 | $66K |
| Vision | HUMANA INSURANCE COMPANY | 131 | $17K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 188 | $44K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | 168 | $15K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | 168 | $15K |
| Other | UNION SECURITY INSURANCE COMPANY | 7 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.