| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $42K | $53K | 3.12% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 EAST GALBRAITH ROAD #9000 CINCINNATI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.21% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD # 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.41% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD # 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 7.00% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD # 9000 CINCINNATI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | $829 | — | $829 | 5.20% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD # 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $752 | $752 | 7.00% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD #9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $653 | — | $653 | 10.01% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $457 | $457 | 7.00% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 358 | $1.7M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 164 | $96K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $16K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 238 | $17K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 80 | $41K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 89 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.