| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSER INC3 | 1050 DELTA AVENUE CINCINNATI, OH 45208 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $132K | — | $132K | 3.80% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD #9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $6K | $37K | 11.94% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 5.01% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD #9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $5K | $34K | 11.85% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 4.17% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD #9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $3K | $20K | 11.85% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 4.96% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD #9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $967 | $6K | 11.83% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.98% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC - BOR | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.07% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD #9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $801 | $6K | 17.29% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 7.29% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD #9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $498 | $45 | $543 | 16.38% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $155 | $155 | 4.67% |
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 | 941 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 767 | $3.5M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 681 | $287K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 584 | $38K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 965 | $91K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 966 | $168K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 968 | $312K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 965 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 968 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.