| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS | 211 GRANDVIEW DR STE 204 FT MITCHELL, KY 410172759 | UNITEDHEALTHCARE INSURANCE COMPANY | $61K | $49K | $109K | 1.87% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS | 211 GRANDVIEW DR STE 204 FT MITCHELL, KY 410172759 | AMERICAN UNITED LIFE INSURANCE COMPAN | $4K | $5K | $9K | 7.86% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS | 211 GRANDVIEW DR STE 204 FT MITCHELL, KY 410172759 | AMERICAN UNITED LIFE INSURANCE COMPAN | $14K | — | $14K | 15.00% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS | 211 GRANDVIEW DR STE 204 FT MITCHELL, KY 410172759 | GUARDIAN | $16K | — | $16K | 19.97% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICES AGE | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | GUARDIAN | — | $6K | $6K | 6.91% |
| ELIZABETH A SCHENK3 | STE 300 ORLANDO, FL 32819 | AMERICAN UNITED LIFE INSURANCE COMPAN | — | $10K | $10K | 15.28% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS | 211 GRANDVIEW DR STE 204 FT MITCHELL, KY 410172759 | AMERICAN UNITED LIFE INSURANCE COMPAN | $3K | $3K | $6K | 8.91% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS | 211 GRANDVIEW DR STE 204 FT MITCHELL, KY 410172759 | GUARDIAN | $30K | — | $30K | 51.20% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICES AGE | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | GUARDIAN | — | $3K | $3K | 5.71% |
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 | 667 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 499 | $5.8M |
| Dental | GUARDIAN | 464 | $59K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 499 | $5.9M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPAN | 639 | $66K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPAN | 530 | $116K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPAN | 253 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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."
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.