| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 Filed as: SBR SERVICES, LLC | 2839 PACES FERRY RD SE STE. 830 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $2K | $23K | 5.40% |
| UMR, INC.3 Filed as: UMR, INC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 0.60% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER SUITE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $6K | $11K | 8.37% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY STE. 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.46% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD SUITE 120 LOVELAND, OH 45140 | DENTAL CARE PLUS, INC. | $4K | — | $4K | 3.35% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD SUITE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $7K | 13.78% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY STE. 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $945 | $945 | 1.77% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD SUITE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 11.53% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY STE. 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $679 | $679 | 1.28% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER SUITE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD SUITE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.54% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY STE. 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $534 | $534 | 1.18% |
| SECOND ACT BENEFITS INC3 Filed as: SECOND ACT BENEFITS, INC. | 424 WARDS CORNER RD SUITE 120 LOVELAND, OH 45140 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 3.61% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD SUITE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $721 | $2K | 15.58% |
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 | 353 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 400 | $129K |
| Vision | COMMUNITY INSURANCE COMPANY | 223 | $31K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 353 | $98K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 353 | $228K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $54K |
| Stop-loss / reinsurancereinsurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 192 | $861K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 16 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.