| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSER INC3 Filed as: HAUSER INC. | 5905 EAST GALBRAITH ROAD, SUITE 9000 CINCINNATI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $53K | $62K | 3.08% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $43K | $50K | 2.50% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD, SUITE 9000 CINCINNATI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $12K | $12K | 0.60% |
| LOCKTON COMPANIES, LLC3 | 325 NORTH OLD WOODWARD AVENUE, SUITE 370 BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.22% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 5905 EAST GALBRAITH ROAD, SUITE 9000 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.77% |
| LOCKTON COMPANIES, LLC3 | 325 NORTH OLD WOODWARD AVENUE, SUITE 370 BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.20% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 5905 EAST GALBRAITH ROAD, SUITE 9000 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.42% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $878 | $703 | $2K | 4.91% |
| LOCKTON COMPANIES, LLC3 | 325 NORTH OLD WOODWARD AVENUE, SUITE 370 BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.05% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 5905 EAST GALBRAITH ROAD, SUITE 9000 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.95% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $473 | $378 | $851 | 4.99% |
| LOCKTON COMPANIES, LLC3 | 325 NORTH OLD WOODWARD AVENUE, SUITE 370 BIRMINGHAM, MI 48009 | UNUM INSURANCE COMPANY | $1K | — | $1K | 7.94% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 5905 EAST GALBRAITH ROAD, SUITE 9000 CINCINNATI, OH 45236 | UNUM INSURANCE COMPANY | $1K | — | $1K | 7.06% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 5905 EAST GALBRAITH ROAD, SUITE 9000 CINCINNATI, OH 45236 | UNUM INSURANCE COMPANY | $1K | — | $1K | 14.30% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | $443 | — | $443 | 5.00% |
| LOCKTON COMPANIES, LLC3 | 325 NORTH OLD WOODWARD AVENUE, SUITE 370 BIRMINGHAM, MI 48009 | UNUM INSURANCE COMPANY | $52 | — | $52 | 0.59% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 5905 EAST GALBRAITH ROAD, SUITE 9000 CINCINNATI, OH 45236 | UNUM INSURANCE COMPANY | $1K | — | $1K | 14.35% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | $382 | — | $382 | 5.00% |
| LOCKTON COMPANIES, LLC3 | 325 NORTH OLD WOODWARD AVENUE, SUITE 370 BIRMINGHAM, MI 48009 | UNUM INSURANCE COMPANY | $46 | — | $46 | 0.60% |
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 | 306 | 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) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 472 | $2.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 472 | $2.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 472 | $2.0M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 321 | $49K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $148K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $148K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 321 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.