| 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 45242 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | $31K | $44K | 2.90% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | DELTA DENTAL OF OHIO | — | — | $0 | 0.00% |
| HAUSER INC3 | 5905 E GALBRAITH ROAD, SUITE 9000 CINCINNATI, OH 45236 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 14.40% |
| HAUSER INC4 | 5905 E GALBRAITH ROAD, SUITE 9000 CINCINNATI, OH 45236 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 14.08% |
| HAUSER INC3 | 5905 E GALBRAITH ROAD, SUITE 9000 CINCINNATI, OH 45236 | SUN LIFE ASSURANCE COMPANY OF CANADA | $283 | — | $283 | 6.14% |
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 | 180 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 344 | $1.5M |
| Dental | DELTA DENTAL OF OHIO | 313 | $66K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 344 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 344 | $1.6M |
| Short-term disability(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 344 | $1.6M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 203 | $20K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 24 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.