| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES AGENCY LLC | 655 FOX RUN ROAD STE. A FINDLAY, OH 458408401 | WESTPORT INSURANCE CORPORATION | $105K | — | $105K | 19.12% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN | 4990 E. GALBRAITH ROAD, SUITE 102 CINCINNATI, OH 45236 | DENTAL CARE PLUS, INC. | $11K | — | $11K | 5.31% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD #102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $3K | $17K | 17.84% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD #102 CINCINNATI, OH 45236 | THE LINCOLN NATHIONAL LIFE INSURANCE COMPANY | $4K | $3K | $6K | 6.86% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD # 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $6K | 12.49% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD # 102 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $723 | $3K | 11.36% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES AGENCY LLC | 655 FOX RUN ROAD STE. A FINDLAY, OH 458408401 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 17.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing Service code 12 | — | $74K |
| ALLIED BENEFIT SYSTEMS INC. EIN 36-3086057 NONE | Contract Administrator Service code 13 | — | $71K |
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 | 499 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 315 | $203K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 499 | $124K |
| Short-term disability | THE LINCOLN NATHIONAL LIFE INSURANCE COMPANY | 213 | $92K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 213 | $44K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | WESTPORT INSURANCE CORPORATION | 378 | $567K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 499 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.