| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 400 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | COMMUNITY INSURANCE COMPANY | $35K | $0 | $35K | 1.71% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | COMMUNITY INSURANCE COMPANY | $21K | $5K | $26K | 1.27% |
| ASSUREDPARTNERS3 | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | DELTA DENTAL OF OHIO | $7K | $0 | $7K | 5.00% |
| ASSUREDPARTNERS3 | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $6K | $27K | 21.89% |
| ASSUREDPARTNERS5 | 10524 MOSS PARK ROAD, SUITE 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.08% |
| ASSUREDPARTNERS3 | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $0 | $1K | 5.00% |
No Schedule C service providers reported on this filing.
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 445 | $2.0M |
| Dental | DELTA DENTAL OF OHIO | 470 | $148K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 561 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $123K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $123K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $123K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 445 | $2.0M |
| Other(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 445 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.