| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS. SERVICES, LLC | 424 WARDS CORNER, SUITE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $36K | $62K | 11.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 3.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT, LP | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $11K | $11K | 1.98% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS. SERVICES, LLC | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | DELTA DENTAL OF OHIO | $12K | $0 | $12K | 5.23% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 1.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | $0 | $22K | 36.01% |
| CHAD RICHARDSON3 | 9756 BERRY HILL DRIVE CINCINNATI, OH 45241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 8.54% |
| TERRI J BUTLER3 Filed as: TERRI J. BUTLER | 1052 BEDDINGFIELD PLACE WESTERVILLE, OH 43081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.46% |
| AMANDA J HUGGINS3 Filed as: AMANDA J. HUGGINS AND OTHER AGENTS | 5204 WOLF RUN DRIVE COLUMBUS, OH 43230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.61% |
| VINTON ROLAND FIORINI3 Filed as: VINTON R. FIORINI | 6430 CADDIES WAY MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.37% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 7905 TANCES DRIVE CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $927 | $0 | $927 | 1.51% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS. SERVICES, LLC | 424 WARDS CORNER, SUITE 120 LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$16K | $0 | -$16K | -25.75% |
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 | 765 | 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) | 765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONCORDIA PLAN SERVICES | 765 | $0 |
| Dental | DELTA DENTAL OF OHIO | 706 | $224K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 765 | $549K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 765 | $549K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 765 | $549K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 765 | $549K |
| Prescription drug | CONCORDIA PLAN SERVICES | 765 | $0 |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 765 | $610K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 765 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.