| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC. | 211 GRANDVIEW DR STE 204 FORT MITCHELL, KY 41017 | UNITED HEALTHCARE INSURANCE COMPANY | $68K | $50 | $69K | 1.05% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | UNITED HEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 0.44% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC. | 211 GRANDVIEW DR, STE 204 FORT MITCHELL, KY 41017 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 2.34% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 1.33% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC. | 211 GRANDVIEW DRIVE, STE 204 FORT MITCHELL, KY 41017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $8K | $20K | 14.05% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 6.31% |
| ELIZABETH A SCHENK3 | 4725 W. SAND LAKE ROAD, STE 300 ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 6.00% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC. | 211 GRANDVIEW DR STE 204 FORT MITCHELL, KY 41017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $7K | $19K | 14.29% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 6.18% |
| ELIZABETH A SCHENK3 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 6.00% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC. | 211 GRANDVIEW DR, STE 204 FORT MITCHELL, KY 41017 | GUARDIAN | $9K | — | $9K | 11.89% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | GUARDIAN | $6K | — | $6K | 8.11% |
| BENETEK CORPORATION3 | 4275 WEST SAND LAKE ROAD ORLANDO, FL 32819 | GUARDIAN | $6K | — | $6K | 7.78% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS. SERVICES | AGENCY 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | GUARDIAN | $0 | $4K | $4K | 4.75% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC. | 211 GRANDVIEW DR, STE 204 FORT MITCHELL, KY 41017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $4K | $10K | 14.22% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.22% |
| ELIZABETH A SCHENK3 | 4725 W SAND LAKE ROAD STE 300 ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.00% |
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 | 650 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 517 | $6.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $340K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 517 | $6.5M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 650 | $205K |
| Short-term disability | GUARDIAN | 257 | $78K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 650 | $144K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 650 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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.