| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC EMPLOREE BNFT SVCS | 424 WARDS CORNER SUITE 120 LOVELAND, OH 45140 | COMMUNITY INSURANCE COMPANY | $26K | $2K | $28K | 5.59% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC EMPLOREE BNFT SVCS | 424 WARDS CORNER SUITE 120 LOVELAND, OH 45140 | COMMUNITY INSURANCE COMPANY | $27K | $2K | $30K | 6.85% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC EMPLOREE BNFT SVCS | 424 WARDS CORNER SUITE 120 LOVELAND, OH 45140 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | $4K | $12K | 14.42% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC EMPLOREE BNFT SVCS | 424 WARDS CORNER SUITE 120 LOVELAND, OH 45140 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 7.31% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC EMPLOREE BNFT SVCS | 424 WARDS CORNER SUITE 120 LOVELAND, OH 45140 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 12.38% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC EMPLOREE BNFT SVCS | 424 WARDS CORNER SUITE 120 LOVELAND, OH 45140 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 10.40% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC EMPLOREE BNFT SVCS | 424 WARDS CORNER SUITE 120 LOVELAND, OH 45140 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $577 | $3K | 18.15% |
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 | 253 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | COMMUNITY INSURANCE COMPANY | 312 | $941K |
| Vision(2 contracts) | COMMUNITY INSURANCE COMPANY | 312 | $941K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 269 | $139K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 269 | $161K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 269 | $131K |
| Stop-loss / reinsurancereinsurance(2 contracts) | COMMUNITY INSURANCE COMPANY | 312 | $941K |
| Other(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 269 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.