| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC BENEFITS OF CINTI | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | HCC LIFE INSURANCE COMPANY | $22K | — | $22K | 8.24% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 424 WARDS CONRER RD STE 120 LOVELAND, OH 45140 | THE DENTAL CARE PLUS GROUP | $2K | — | $2K | 3.92% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC BENEFITS OF CINTI | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | THE DENTAL CARE PLUS GROUP | $493 | — | $493 | 0.95% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.33% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $740 | $740 | 1.78% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.89% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $799 | $799 | 1.96% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURNACE SERVICES | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.38% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $455 | $455 | 1.79% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $902 | $3K | 20.92% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $301 | $301 | 1.98% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $730 | $3K | 20.04% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $243 | $243 | 1.68% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH STRATEGIES | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $889 | — | $889 | 10.00% |
| INSURANCE ASSOCIATES PLUS, INC.3 Filed as: INSURANCE ASSOCIATES PLUS | 6903 HUMMINGBIRD DR MASON, OH 45040 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $293 | — | $293 | 3.30% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $593 | $230 | $823 | 20.82% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GOWTH INSURANCE SERVICES | 5001 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $77 | $77 | 1.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Claims processing; Float revenue; Direct payment from the plan; Other fees Service code 12 | — | $156K |
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $62K |
| STRATEGIC BENEFITS OF CINCINNATI EIN 83-0993514 BROKER | Other commissions Service code 55 | — | $22K |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE DENTAL CARE PLUS GROUP | 198 | $52K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 151 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $25K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 98 | $265K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.