| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE BROKER INS SERVICES3 | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | PRINCIPAL LIFE INSURANCE COMPANY | $46K | $4K | $50K | 11.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 3.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS EIN 31-1249371 CONTRACT | Plan Administrator Service code 14 | — | $176K |
| FRONTPATH HEALTH COALITION EIN 34-1713951 NETWORK PROVIDER | Consulting (general) Service code 16 | — | $76K |
| CORNERSTONE EIN 31-1541030 BROKER | Insurance agents and brokers Service code 22 | — | $56K |
| MCGOHAN BRABENDER, INC. EIN 31-1191330 BROKER | Insurance agents and brokers Service code 22 | — | $19K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 CONTRACT | Other fees Service code 99 | — | $16K |
| MEDICAL BENEFITS MUTUAL EIN 31-4210910 CONTRACT | Other fees Service code 99 | — | $16K |
| MIDLAND'S CHOICE EIN 47-0804331 CONTRACT | Other fees Service code 99 | — | $16K |
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 | 604 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,001 | $419K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,001 | $419K |
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE COMPANY | 611 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,001 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.