| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE BROKER INS SERVICES3 | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $29K | — | $29K | 3.77% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE SERVICES | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | DENTAL CARE PLUS, INC. | $3K | — | $3K | 5.97% |
| ROBERT J. RICH3 | 6900 HOUSTON RD, BLDG 700 #37 FLORENCE, KY 41042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| ROBERT J. RICH3 | 6900 HOUSTON RD, BLDG 700 #37 FLORENCE, KY 41042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 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 | $1K | — | $1K | 10.00% |
| INSURANCE ASSOCIATES PLUS, INC.3 Filed as: INSURANCE ASSOCIATES PLUS | 100 CROWNE POINTE PLACE SHARONVILLE, OH 45241 | AVESIS ESSENTIAL BENEFITS | $614 | — | $614 | 5.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CDBI INC. EIN 31-1329208 CLAIMS PROCESSOR | Claims processing Service code 12 | 5589 CHEVIOT ROAD CINCINNATI, OH 45247 | $17K |
| CORNERSTONE BROKER INSURANCE SERVIC EIN 31-1768631 BROKER | Other commissions Service code 55 | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | $8K |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 225 | $774K |
| Dental | DENTAL CARE PLUS, INC. | 182 | $49K |
| Vision | AVESIS ESSENTIAL BENEFITS | 161 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $23K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $37K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $48K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.