| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN E HARRIS3 | 1550 MAGNOLIA DR CINCINNATI, OH 45215 | UNITED HEALTHCARE INSURANCE CO. | $747 | $33K | $33K | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGCY INS | 3931 S DIXIE DR DAYTON, OH 45439 | UNITED HEALTHCARE INSURANCE CO. | $381 | $12K | $12K | 0.49% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICE AGCY | 2101 FLORENCE AVE CINCINNATI, OH 45206 | UNITED HEALTHCARE INSURANCE CO. | $10K | $352 | $10K | 0.40% |
| JOHN E HARRIS3 | 1550 MAGNOLIA DR CINCINNATI, OH 45215 | UNITED HEALTH CARE INSURANCE COMPANY | $8K | $0 | $8K | 7.87% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICE AGC | 2101 FLORENCE AVE CINCINNATI, OH 45206 | UNITED HEALTH CARE INSURANCE COMPANY | $4K | $0 | $4K | 4.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC. | 3931 SOUTH DIXIE DR DAYTON, OH 45439 | UNITED HEALTH CARE INSURANCE COMPANY | $2K | $0 | $2K | 1.76% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DR DAYTON, OH 45439 | DENTAL CARE PLUS, INC. | $3K | $0 | $3K | 4.12% |
| CORNERSTONE INSURANCE & FINANCIAL Filed as: CORNERSTONE INS & FINANCIAL SERVICE | 2101 FLORENCE AVE CINCINNATI, OH 45206 | DENTAL CARE PLUS, INC. | $1K | $0 | $1K | 1.65% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE CO. | 291 | $2.5M |
| Dental | DENTAL CARE PLUS, INC. | 323 | $77K |
| Vision | UNITED HEALTHCARE INSURANCE CO. | 291 | $2.5M |
| Life insurance | UNITED HEALTH CARE INSURANCE COMPANY | 398 | $101K |
| Short-term disability | UNITED HEALTH CARE INSURANCE COMPANY | 398 | $101K |
| Long-term disability | UNITED HEALTH CARE INSURANCE COMPANY | 398 | $101K |
| Prescription drug | UNITED HEALTHCARE INSURANCE CO. | 291 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.