| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNIE JOHNSON HAUSER INC3 | 5905 GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | BENEFIT PLAN ADMINISTRATORS | $49K | $95K | $143K | 39.36% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $2K | $26K | 16.92% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 5.45% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC DBA THE HA | 5905 EAST GALBRATH ROAD SUITE 9000 CINCINNATI, OH 45236 | SHELTERPOINT LIFE INSURANCE COMPANY | $1K | — | $1K | 2.47% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 113 | $156K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 113 | $156K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 113 | $156K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 113 | $156K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 113 | $156K |
| Stop-loss / reinsurancereinsurance | BENEFIT PLAN ADMINISTRATORS | 152 | $364K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 195 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.