| 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 | — | — | $0 | 0.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 4.94% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | SUN LIFE ASSURANCE COMPANY OF CANADA | $344 | — | $344 | 0.79% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 21.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $910 | $910 | 2.25% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 22.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $814 | $814 | 2.57% |
| 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 | $2K | $6K | 20.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $569 | $569 | 2.10% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $808 | $2K | 22.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $294 | $294 | 2.62% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $752 | $2K | 21.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $274 | $274 | 2.45% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 424 WARDS CORNER ROAD SUITE 120 LOVELAND, OH 45140 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $584 | — | $584 | 7.07% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER ROAD LOVELAND, OH 45140 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $76 | — | $76 | 0.92% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $582 | $238 | $820 | 21.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 5001 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $87 | $87 | 2.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Claims processing; Direct payment from the plan; Other fees; Float revenue Service code 12 | — | $246K |
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $47K |
| STRATEGIC BENEFITS OF CINCINNATI EIN 83-0993514 BROKER | Other commissions Service code 55 | — | $20K |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $44K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 171 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $27K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 131 | $294K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
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.