| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RHK GROUP3 | 5890 VENTURE DRIVE #A DUBLIN, OH 43017 | QBE INSURANCE CORPORATION | $25K | — | $25K | 14.58% |
| RHK GROUP3 | 5960 VENTURE DRIVE SUITE B DUBLIN, OH 43017 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 11.45% |
| RHK GROUP3 | 5960 VENTURE DRIVE SUITE B DUBLIN, OH 43017 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.84% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $606 | — | $606 | 4.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $71K |
| RHK GROUP EIN 03-7405377 BROKER | Other commissions Service code 55 | 5890 VENTURE DR # A DUBLIN, OH 43017 | $8K |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 244 | $12K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 145 | $52K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 145 | $52K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 125 | $172K |
| Other(2 contracts, 2 carriers) | QBE INSURANCE CORPORATION | 145 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.