| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 201 MERRITT 7 NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $74K | $74K | 1.82% |
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 900 CINCINNATI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $48K | $48K | 1.18% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 EAST GALBRAITH ROAD #9000 CINCINNATI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $17K | $17K | 0.42% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 7.19% |
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $11K | $19K | 6.09% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.40% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606791299 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 6.57% |
| ART HAUSER INSURANCE INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 3.43% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $234 | $234 | 0.08% |
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 | 890 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 898 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 820 | $4.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 611 | $320K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 611 | $320K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 957 | $300K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 957 | $300K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 957 | $300K |
| Other | HARTFORD LIFE AND ACCIDENT | 957 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 957 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.