| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | BLUECROSS BLUESHIELD OF ILLINOIS | $130K | — | $130K | 3.83% |
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | DELTA DENTAL OF ILLINOIS | $15K | — | $15K | 7.40% |
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 17.28% |
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 22.25% |
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 22.32% |
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | PROTEC INSURANCE COMPANY | $3K | — | $3K | 9.99% |
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 | 379 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 403 | $3.4M |
| Dental | DELTA DENTAL OF ILLINOIS | 270 | $200K |
| Vision | PROTEC INSURANCE COMPANY | 257 | $31K |
| Life insurance | STANDARD INSURANCE COMPANY | 386 | $62K |
| Short-term disability | STANDARD INSURANCE COMPANY | 70 | $59K |
| Long-term disability | STANDARD INSURANCE COMPANY | 53 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.