| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 E GALBRAITH RD SUITE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $413K | $29K | $442K | 12.68% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 E GALBRAITH RD SUITE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $2K | $51K | 20.34% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 E GALBRAITH RD SUITE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $1K | $30K | 20.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHEILD OF ALABA EIN 63-0103830 ADMIN SERVICE PROVIDER | Contract Administrator Service code 13 | — | $1.6M |
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 | 4,034 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,094 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 790 | $149K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 8,557 | $3.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 8,557 | $3.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 8,557 | $3.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,557 | $3.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,557 | $3.5M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 8,557 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,557 | — |
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.