| 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 | — | $51K | $51K | 4.73% |
| ART HAUSER INSURANCE INC3 | 5905 E GALBRAITH RD, STE. 9000 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $21K | $21K | 5.10% |
| HAUSER INC3 Filed as: HAUSER, INC. | 5905 E GALBRAITH RD, STE. 9000 CINCINNATI, OH 45236 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 10.80% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD., STE. 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.75% |
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 | 396 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 396 | $120K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 396 | $120K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 396 | $120K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 396 | $120K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 396 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.