| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPREHENSIVE BENEFITS SOLUTIONS3 | 9636 CINCINNATI COLUMBUS ROAD WEST CHESTER, OH 45241 | SELECTHEALTH | $101K | — | $101K | 3.00% |
| COMPREHENSIVE BENEFITS SOLUTIONS3 | 9636 CINCINNATI COLUMBUS ROAD WEST CHESTER, OH 45241 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | $15K | $38K | 7.81% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NI, LLC | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | $29K | — | $29K | 5.91% |
| PLATINUM ENROLLMENT SOLUTIONS3 Filed as: PLATINUM ENROLLMENT SOLUTIONS LLC | 7100 FOUNDRY ROW LIBERTY TOWNSHIP, OH 45069 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 1.23% |
| PLATINIUM ENROLLMENT SOLUTIONS LLC3 | 7100 FOUNDRY ROW LIBERTY TOWNSHIP, OH 45069 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $73K | — | $73K | 80.10% |
| NONE3 | 9636 CINCINNATI COLUMUS ROAD WEST CHESTER, OH 45241 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $31K | — | $31K | 34.12% |
| AJITH K. JOHN3 Filed as: AJITH K JOHN | #320-360 5161 SAN FELIPE STREET HOUTSON, TX 77056 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $246 | — | $246 | 0.27% |
| JAMES K. MCANDREWS3 Filed as: JAMES K MCANDREWS | 3 GREENWAY PLAZA SUITE 1500 HOUSTON, TX 77046 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $39 | — | $39 | 0.04% |
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 | 368 | 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) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 657 | $3.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 331 | $486K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 331 | $486K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 331 | $577K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 331 | $486K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 331 | $486K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 331 | $486K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 657 | — |
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.