| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | HUMANA HEALTH PLAN, INC. | $41K | — | $41K | 2.99% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD #9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $177 | $8K | 8.18% |
| 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 | — | $6K | $6K | 5.88% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $2K | $15K | 23.75% |
| BICKLEY INSURANCE3 | 237 WOODLAND PASS MT WASHINGTON, KY 40047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 11.26% |
| MATTHEW HUDSON3 | 11501 WILLOW STREAM COURT APT 301 LOUISVILLE, KY 40299 | CONTINENTAL AMERICAN INSURANCE COMPANY | $829 | — | $829 | 1.89% |
| AMY JOHANNEMANN3 Filed as: AMY S JOHANNEMANN | PO BOX 22806 LOUISVILLE, KY 40252 | CONTINENTAL AMERICAN INSURANCE COMPANY | $504 | — | $504 | 1.15% |
| DAVID WATSON3 | 3912 FALLEN TIMBER DRIVE LOUISVILLE, KY 40241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $490 | — | $490 | 1.12% |
| THOMAS W BURNETT3 | 1928 YALE DRIVE LOUISVILLE, KY 40205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $462 | — | $462 | 1.06% |
| CHARLES L GRAY3 | 105 DAVENTRY LANE SUITE 100 LOUISVILLE, KY 40223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $300 | — | $300 | 0.69% |
| R AARON WRIGHT3 Filed as: R. AARON WRIGHT | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | — | $147 | 0.34% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD FRANK BROOKS | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.12% |
| DENNIS S HARTIN3 | 14506 MIRASOL MANOR COURT TAMPA, FL 33626 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.10% |
| R AARON WRIGHT3 Filed as: AARON R WRIGHT | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| BRADLEY L ELLIS3 | 1500 BEVILLE ROAD SUITE 606 #327 DAYTONA BEACH, FL 32114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD # 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.23% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $312 | $2K | 11.52% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD #9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $624 | $3K | 18.63% |
| 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 | — | $2K | $2K | 10.62% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $390 | $2K | 18.78% |
| JOSEPH BICKLEY3 | PO BOX 414 MT WASHINGTON, KY 40047 | AFLAC | $559 | — | $559 | 5.42% |
| THERESA J SMITH3 | 3521 HURSTBOURNE RIDGE BOULEVARD LOUISVILLE, KY 40299 | AFLAC | $132 | — | $132 | 1.28% |
| JONATHAN C DAVIDSON3 | 9803 WEST STATE ROAD 58 NORMAN, IN 47264 | AFLAC | $81 | — | $81 | 0.79% |
| JOSEPH M GOSSMAN JR3 | 17836 BIRCH BEND CIRCLE FISHERVILLE, KY 40023 | AFLAC | $50 | — | $50 | 0.48% |
| EMPLOYEE BENEFITS & INS SOLUTIONS3 | 6036 BEAR CREEK COURT COLUMBUS, GA 31909 | AFLAC | $43 | — | $43 | 0.42% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $35 | — | $35 | 0.34% |
| RICK HALLORAN3 | PO BOX 3058 WEST SOMERSET, KS 42564 | AFLAC | $27 | — | $27 | 0.26% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $24 | — | $24 | 0.23% |
| BICKLEY INSURANCE3 Filed as: BICKLEY INSURANCE INC | PO BOX 414 MT WASHINGTON, KY 40047 | AFLAC | $17 | — | $17 | 0.16% |
| ROGER L BENNETT3 | PO BOX 1268 VERSAILLES, KY 40383 | AFLAC | $10 | — | $10 | 0.10% |
| ROGER TOOHEY3 | PO BOX 1265 SOMERSET, KY 42502 | AFLAC | $9 | — | $9 | 0.09% |
| LIB WILSON & ASSOCIATES, INC.3 Filed as: LIB WILSON & ASSOCIATES, INC | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $6 | — | $6 | 0.06% |
| RONNIE LEE JANES JR3 | 7013 WESTRIDGE FOREST COURT LANESVILLE, IN 47136 | AFLAC | $5 | — | $5 | 0.05% |
| BRANDY ANN HARTIN3 | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $5 | — | $5 | 0.05% |
| LYDIA C CLARK3 | 11882 PINE MEADOW CIRCLE FISHERS, IN 46037 | AFLAC | $5 | — | $5 | 0.05% |
| RUEANN EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $4 | — | $4 | 0.04% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DRIVE SUITE 4 NEW LENOX, IL 60451 | AFLAC | $4 | — | $4 | 0.04% |
| LEEZA DANIELE WRIGHT3 | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $3 | — | $3 | 0.03% |
| TANDRA FAYE FREED3 | 719 LAWMAN AVENUE BRIDGEPORT, WV 26330 | AFLAC | $3 | — | $3 | 0.03% |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVENUE OAK PARK, IL 60302 | AFLAC | $3 | — | $3 | 0.03% |
| THOMAS W BOSTON3 Filed as: THOMAS WORKMAN | PO BOX 17761 COVINGTON, KY 41017 | AFLAC | $2 | — | $2 | 0.02% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $2 | — | $2 | 0.02% |
| DAVID A EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $1 | — | $1 | 0.01% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $271 | $68 | $339 | 18.77% |
| 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 | — | $140 | $140 | 7.75% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 191 | $1.4M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $98K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $21K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 278 | $29K |
| Short-term disability(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 172 | $87K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 279 | $64K |
| Other(5 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 278 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.