| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN E HARRIS3 | 1550 MAGNOLIA DR CINCINNATI, OH 45215 | UNITED HEALTHCARE INSURANCE CO | $1K | $43K | $44K | 3.01% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICES AGC | 2101 FLORENCE AVE CINCINNATI, OH 45206 | UNITED HEALTHCARE INSURANCE CO | $8K | $0 | $8K | 0.58% |
| THE CORNERSTONE INSURANCE GROUP LLC Filed as: CORNERSTONE INSURANCE SERVICES | 2101 FLORENCE AVE CINCINNATI, OH 45206 | DENTAL CARE PLUS, INC. | $4K | $0 | $4K | 5.19% |
| LIFEPLAN PARTNERS LLC3 | 1550 MAGNOLIA DR CINCINNATI, OH 45215 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $7K | $0 | $7K | 10.14% |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE CO | 279 | $1.5M |
| Dental | DENTAL CARE PLUS, INC. | 245 | $69K |
| Vision | UNITED HEALTHCARE INSURANCE CO | 279 | $1.5M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY (G1400) | 162 | $67K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 162 | $67K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 162 | $67K |
| Prescription drug | UNITED HEALTHCARE INSURANCE CO | 279 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.