| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RHK GROUP3 | 5890 VENTURE DRIVE DUBLIN, OH 43017 | QBE INSURANCE CORPORATION | $1K | — | $1K | 0.47% |
| RHK GROUP3 | 5960 VENTURE DRIVE SUITE B DUBLIN, OH 43017 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | — | $7K | 11.07% |
| RHK GROUP3 | 5960 VENTURE DRIVE SUITE B DUBLIN, OH 43017 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.07% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $607 | — | $607 | 5.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGMT. | Direct payment from the plan; Other fees; Claims processing; Float revenue Service code 12 | — | $290K |
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $54K |
| RHK GROUP EIN 03-7405377 BROKER | Other commissions Service code 55 | 5890 VENTURE DR. DUBLIN, OH 43017 | $23K |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 201 | $12K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 148 | $63K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 148 | $63K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 120 | $229K |
| Other(2 contracts, 2 carriers) | QBE INSURANCE CORPORATION | 148 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
No prospect flags tripped on this filing.