| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSER INC3 Filed as: THE HAUSER GROUP | 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $89K | $16K | $105K | 5.88% |
| HAUSER INC3 Filed as: THE HAUSER GROUP | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | $3K | $22K | 6.11% |
| HAUSER INC3 Filed as: HAUSER | 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 45236 | GUARDIAN | $23K | — | $23K | 8.24% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $14K | — | $14K | 5.00% |
| HAUSER INC3 | 5905 EAST GALBRAITH SUITE 900 CINCINNATI, OH 45236 | GUARDIAN | $7K | — | $7K | 9.74% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $4K | — | $4K | 5.00% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH CO | — | GUARDIAN | $487 | — | $487 | 0.63% |
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 | 511 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 456 | $2.4M |
| Dental(2 contracts) | GUARDIAN | 456 | $360K |
| Vision(2 contracts) | GUARDIAN | 456 | $360K |
| Life insurance | GUARDIAN | 456 | $283K |
| Short-term disability(2 contracts) | GUARDIAN | 456 | $360K |
| Long-term disability(2 contracts) | GUARDIAN | 456 | $360K |
| Prescription drug(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 352 | $2.1M |
| Other(2 contracts) | GUARDIAN | 456 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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.
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.