| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 Filed as: SBR SERVICES, LLC | 2300 WINDY RIDGE PKWY SE SUITE 695S ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | $10K | $36K | 7.00% |
| SBR SERVICES LLC3 Filed as: SBR SERVICES, LLC | 2300 WINDY RIDGE PKWY SE SUITE 695S ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $8K | $30K | 6.69% |
| UMR, INC.3 Filed as: UMR, INC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 0.51% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR. STE 215 FORT WASHINGTON, PA 19034 | DELTA DENTAL OF OHIO | $6K | — | $6K | 2.74% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD SUITE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $7K | $13K | 8.35% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR. STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.45% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER SUITE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $2K | $18K | 17.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR. STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $726 | $726 | 0.67% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD SUITE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $569 | $5K | 6.96% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR. STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $190 | $190 | 0.26% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD SUITE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 12.63% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR. STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $858 | $858 | 1.63% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD SUITE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER SUITE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 15.16% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR. STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $758 | $758 | 2.32% |
| STRATEGIC BENEFITS OF CINCINNATI | 424 WARDS CORNER RD SUITE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
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 | 767 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 767 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 716 | $202K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $33K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 767 | $161K |
| Short-term disability(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 767 | $393K |
| Long-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 304 | $65K |
| Stop-loss / reinsurancereinsurance(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 224 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 767 | — |
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.