| 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 | $19K | $2K | $21K | 5.56% |
| UMR, INC.3 Filed as: UMR, INC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.58% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD SUITE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $8K | $13K | 9.17% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR. STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $3K | $4K | 2.73% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD SUITE 120 LOVELAND, OH 45140 | DENTAL CARE PLUS, INC. | $4K | — | $4K | 3.53% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD SUITE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 13.40% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR. STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $414 | $1K | $2K | 2.94% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER SUITE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 18.99% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR. STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $951 | $2K | 4.72% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER SUITE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 14.62% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR. STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $276 | — | $276 | 0.82% |
| SECOND ACT BENEFITS INC3 Filed as: SECOND ACT BENEFITS, INC. | 424 WARDS CORNER RD SUITE 120 LOVELAND, OH 45140 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 5.05% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD SUITE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $949 | $631 | $2K | 14.80% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR. STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $119 | $361 | $480 | 4.49% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD SUITE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 59.80% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR. STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 19.93% |
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 | 362 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 385 | $115K |
| Vision | COMMUNITY INSURANCE COMPANY | 245 | $24K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 362 | $96K |
| Short-term disability(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 362 | $247K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 281 | $39K |
| Stop-loss / reinsurancereinsurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 186 | $761K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.