| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE | 312 ELM STREET, 24TH FL CINCINNATI, OH 45202 | DENTAL CARE PLUS, INC. | $3K | — | $3K | 5.72% |
| MARY ANN WILLIAMS3 | 6661 KULGER MILL ROAD CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.95% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.97% |
| LEE KRAUS3 | 1382 IRONWOOD DR LEBANON, OH 45036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.12% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $608 | — | $608 | 1.04% |
| CHRISTOPHER E BIALKA3 | 4460 BLACK OAK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $474 | — | $474 | 0.81% |
| MICHELE KRAUS3 | 1382 IRONWOOD DRIVE LEBANON, OH 45036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $270 | — | $270 | 0.46% |
| LEE KRAUS3 | 1382 IRONWOOD DRIVE LEBANON, OH 45036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $145 | — | $145 | 0.25% |
| BRADLEY J BRISTER3 | 195 NORTHVIEW RD BLANCHESTER, OH 45107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $130 | — | $130 | 0.22% |
| MARVIN BACKUS3 | 941 SQUIRE VALLEY DR VILLA HILLS, KY 41017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | — | $127 | 0.22% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $106 | — | $106 | 0.18% |
| JEFFREY B RIDGLEY3 | 2755 DRY RUN ROAD SOUTH LEBANON, OH 45065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | — | $102 | 0.17% |
| CORRENA L PERRY3 | 8150 CORPORATE PARK DR CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | — | $87 | 0.15% |
| DEBORAH A MINGO3 | 5750 LAKE RESORT DR APT G125 CHATTANOOGA, TN 37415 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | — | $86 | 0.15% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 0.14% |
| ALAN W FOSTER3 | 1823 BRONWYN COURT BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.14% |
| LESLIE J BACKUS3 | 941 SQUIRE VALLEY DR VILLA HILLS, KY 41017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.14% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.13% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.13% |
| RILEY D GRAVES3 | 9590 HOMEWOOD CIR. OOLTEWAH, TN 37363 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.13% |
| WAYNE G MCMEEN3 | 7902 COVE RIDGE DR HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.11% |
| WELLS FARGO INSURANCE SERVICES3 | USA INC. 720 PETE ROSE WAY, STE. 400 CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.09% |
| KAYTE F LOCKE3 | 390 ASHLEY DRIVE SODDY DAISY, TN 37379 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.09% |
| WANACO INC3 | PO BOX 181 SIGNAL MOUNTAIN, TN 37377 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.08% |
| JOSEPH T WILLIAMS3 | 6661 KUGGLER MILL RD. CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.06% |
| INGER M PENNINGTON3 | 1108 BROOKE AVE CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.05% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION RD., STE. 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.04% |
| ELIZABETH E REEVES3 | 1200 MOUNTAIN CREEK RD, #102 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.04% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| BRENT L GOODE3 | 200 GLENECHO RD, STE. 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JOSEPH L LEDOUX3 | 301 MALLORY STATION ROAD STE. 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. | PO BOX 3176 NORFOLK, VA 23514 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. | 312 ELM STREET, 24TH FL CINCINNATI, OH 45202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.90% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $621 | — | $621 | 1.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. | 312 ELM STREET, 24TH FL CINCINNATI, OH 45202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.84% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. | PO BOX 3176 NORFOLK, VA 23514 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.81% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. | PO BOX 3176 NORFOLK, VA 23514 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 6.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. | 312 ELM STREET, 24TH FL CINCINNATI, OH 45202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $860 | — | $860 | 4.93% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $851 | — | $851 | 5.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. | 312 ELM STREET, 24TH FL CINCINNATI, OH 45202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $761 | — | $761 | 5.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. | PO BOX 3176 NORFOLK, VA 23514 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $710 | $710 | 4.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. | 312 ELM STREET, 24TH FL CINCINNATI, OH 45202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| INSURANCE ASSOCIATES PLUS, INC.3 | 100 CROWNE POINT PLACE CINCINNATI, OH 45241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $750 | — | $750 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Contract Administrator; Claims processing Service code 12 | — | $81K |
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 | 218 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 120 | $60K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 87 | $15K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 187 | $32K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 87 | $53K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 187 | $31K |
| Stop-loss / reinsurancereinsurance | COMPANION | 117 | $174K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 218 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.