| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE BROKER INS SERVICES3 | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 5.99% |
| ROBERT J. RICH3 | 6900 HOUSTON RD, BLDG 700 #37 FLORENCE, KY 41042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE SERVICES | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | DENTAL CARE PLUS, INC. | $3K | — | $3K | 6.49% |
| ROBERT J. RICH3 | 6900 HOUSTON RD, BLDG 700 #37 FLORENCE, KY 41042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ROBERT J. RICH3 | 6900 HOUSTON RD, BLDG 700 #37 FLORENCE, KY 41042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKERAGE INSURANCE | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | AVESIS ESSENTIAL BENEFITS | $854 | — | $854 | 10.00% |
| INSURANCE ASSOCIATES PLUS, INC.3 Filed as: INSURANCE ASSOCIATES PLUS | 100 CROWNE POINTE PLACE SHARONVILLE, OH 45241 | AVESIS ESSENTIAL BENEFITS | $313 | — | $313 | 3.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CDBI INC. EIN 31-1329208 CLAIMS PROCESSOR | Claims processing Service code 12 | 5589 CHEVIOT ROAD CINCINNATI, OH 45247 | $14K |
| CORNERSTONE BROKER INSURANCE SERVIC EIN 31-1768631 BROKER | Other commissions Service code 55 | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | $6K |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 194 | $587K |
| Dental | DENTAL CARE PLUS, INC. | 158 | $40K |
| Vision | AVESIS ESSENTIAL BENEFITS | 128 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $18K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $30K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $40K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.