| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | SUMMACARE, INC. | $5K | — | $5K | 3.50% |
| HAUSER INC3 | 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $824 | $3K | 4.04% |
| CENTRO BENEFITS RESEARCH LLC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.98% |
| HAUSER INC3 | — | UPMC HEALTH BENEFITS | $196 | — | $196 | 2.73% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS INSURANCE | — | UPMC HEALTH BENEFITS | $18 | — | $18 | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BPA EIN 39-0819344 CLAIMS ADMIN | Claims processing Service code 12 | — | $108K |
| THE HAUSER GROUP EIN 31-0800707 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $55K |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUMMACARE, INC. | 202 | $141K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 310 | $62K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 310 | $70K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 310 | $62K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 310 | $62K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 310 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.