| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC. | 211 GRANDVIEW DRIVE SUITE 204 FORT MITCHELL, KY 41017 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $57K | $95K | 1.90% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC. | 211 GRANDVIEW DRIVE SUITE 204 FORT MITCHELL, KY 41017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 15.79% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKG. INS. SVCS. AGENC | 2101 FLORENCE AVE CINCINNATI, OH 45206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.51% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC. | 211 GRANDVIEW DRIVE SUITE 204 FORT MITCHELL, KY 41017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.35% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC. | 211 GRANDVIEW DRIVE SUITE 204 FORT MITCHELL, KY 41017 | AMERICAN UNITED LIFE INSURANCE COMPANY | $13K | $2K | $15K | 17.85% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC. | 211 GRANDVIEW DRIVE SUITE 204 FORT MITCHELL, KY 41017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.67% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC. | 211 GRANDVIEW AVENUE SUITE 204 FORT MITCHELL, KY 41017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 51.20% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKG. INS. SVCS. AGENC | 2101 FLORENCE AVE CINCINNATI, OH 45206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $950 | $950 | 1.59% |
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 | 609 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,085 | $5.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 444 | $60K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 431 | $132K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 589 | $155K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 484 | $117K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 589 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,085 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.