| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREEMAN HEYNE SCHALLER LLC3 Filed as: FREEMAN HEYNE SCHALLER, LLC | 10250 ALLIANCE RD STE 125 CINCINNATI, OH 45242 | UNITEDHEALTHCARE INS CO | — | $69K | $69K | 4.07% |
| CORNERSTONE BROKER INS SERVICES3 | 2101 FLORENCE AVE CINCINNATI, OH 45206 | UNITEDHEALTHCARE INS CO | $24K | — | $24K | 1.42% |
| KEVIN C KENNEDY3 | 9261 ADDINGTON PL POWELL, OH 43065 | COMPANION LIFE INS CO | $4K | $26 | $4K | 4.99% |
| MAY INSURANCE SERVICES INC3 | 110 NORTHWOOD BLVD STE C COLUMBUS, OH 43235 | COMPANION LIFE INS CO | $2K | $26 | $2K | 2.47% |
| KEVIN C KENNEDY3 Filed as: KEVIN C. KENNEDY | 9261 ADDINGTON PL POWELL, OH 43065 | COMPANION LIFE INS CO | $8K | $35 | $8K | 11.18% |
| MAY INSURANCE SERVICES INC3 Filed as: MAY INSURANCE SERVICES, INC | 110 NORTHWOODS BLVD STE C COLUMBUS, OH 43235 | COMPANION LIFE INS CO | $4K | $17 | $4K | 5.51% |
| FREEMAN HEYNE SCHALLER LLC3 Filed as: FREEMAN HEYNE SCHALLER, LLC | 10250 ALLIANCE RD SUITE 125 CINCINNATI, OH 45242 | GUARDIAN LIFE INS CO | $6K | $2K | $7K | 10.23% |
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 | 332 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INS CO | 329 | $1.7M |
| Dental | COMPANION LIFE INS CO | 175 | $79K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INS CO | 332 | $147K |
| Short-term disability | COMPANION LIFE INS CO | 332 | $75K |
| Long-term disability | COMPANION LIFE INS CO | 332 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.