| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSER INC3 | 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 452362383 | UNITEDHEALTHCARE INSURANCE COMPANY | $52 | — | $52 | 0.02% |
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | DELTA DENTAL OF MICHIGAN | $20K | — | $20K | 9.10% |
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.33% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $665 | $4K | 17.78% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| HAUSER INC3 Filed as: HAUSER, INC. | 5905 E. GALBRAITH RD., SUITE 9000 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $2K | — | $2K | 9.76% |
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $874 | $270 | $1K | 13.10% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $437 | $437 | 5.00% |
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 | 389 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 501 | $217K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 315 | $19K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 389 | $9K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 101 | $24K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 452 | $306K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 389 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.