| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH SUITE 9000 CINCINNATI, OH 45236 | AETNA | $34K | — | $34K | 6.69% |
| SEAN K EDDY - E&E INSURANCE SERVICE3 | 11245 BLAZEWOOD PL SAN DIEGO, CA 92127 | AETNA | $2K | — | $2K | 0.44% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES, | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 6.31% |
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 4.13% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH SUITE 9000 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $859 | — | $859 | 13.76% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH SUITE 900 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $118 | — | $118 | 8.97% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA | 103 | $624K |
| Dental | AETNA | 103 | $503K |
| Vision | AETNA | 103 | $503K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $1K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.