| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | — | $48K | 5.49% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 JACKSON DRIVE, SUITE 500 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$90 | — | -$90 | -0.01% |
| HAUSER INC3 | 5905 EAST GALBRAITH, SUITE 9000 CINCINNATI, OH 45236 | GUARDIAN | $26K | $2K | $28K | 12.51% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $11K | — | $11K | 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 | 428 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $876K |
| Dental | GUARDIAN | 449 | $221K |
| Vision | GUARDIAN | 449 | $221K |
| Life insurance | GUARDIAN | 449 | $221K |
| Short-term disability | GUARDIAN | 449 | $221K |
| Long-term disability | GUARDIAN | 449 | $221K |
| Other | GUARDIAN | 449 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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.