| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 5905 E GALBRAITH ROAD, SUITE 9000 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | $77K | — | $77K | 10.00% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 5905 E GALBRAITH ROAD, SUITE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $5K | $40K | 14.97% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $3K | $16K | 6.03% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $17 | $4K | 11.73% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 5905 E GALBRAITH ROAD, SUITE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $233 | $2K | 6.95% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $350 | $2K | 6.66% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | $797 | $27 | $824 | 2.57% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $17 | $4K | 15.12% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 5905 E GALBRAITH ROAD, SUITE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $146 | $2K | 9.09% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $317 | $2K | 8.06% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | $590 | $27 | $617 | 2.59% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $17 | $3K | 16.51% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 5905 E GALBRAITH ROAD, SUITE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $135 | $2K | 9.26% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $206 | $1K | 6.58% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | $642 | $27 | $669 | 3.55% |
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 | 512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 599 | $270K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 599 | $270K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 781 | $773K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 781 | $773K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 781 | $773K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 781 | $847K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 781 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.