| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SECOND ACT BENEFITS INC3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | COMMUNITY INSURANCE COMPANY | $47K | — | $47K | 2.96% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC BENEFITS OF CINTI | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $516 | $8K | 11.90% |
| TRUE NETWORK ADVISORS3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | PRINCIPAL LIFE INSURANCE COMPANY | — | $125 | $125 | 0.18% |
| SECOND ACT BENEFITS INC3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | ANTHEM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 181 | $1.6M |
| Dental(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 230 | $1.7M |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 230 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 230 | $82K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 230 | $68K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 230 | $68K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 230 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.