| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID M. SCHIMBERG3 | 3805 EDWARDS ROAD, SUITE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $4K | $829 | $4K | 0.83% |
| KELLEY FINANCIAL GRP3 Filed as: KELLEY FINANCIAL GROUP, INC. | 3805 EDWARDS ROAD, SUITE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $2K | $156 | $2K | 0.36% |
| PATRICK KERN3 Filed as: PATRICK C. KERN | 424 WARDS CORNER ROAD, SUITE 120 LOVELAND, OH 45140 | NORTHWESTERN MUTUAL | $1K | $276 | $1K | 0.28% |
| CHARLES C LEADINGHAM3 Filed as: CHARLES C. LEADINGHAM | 424 WARDS CORNER ROAD, SUITE 120 LOVELAND, OH 45140 | NORTHWESTERN MUTUAL | $1K | $252 | $1K | 0.25% |
| CHARLES DANIEL PAYNE3 | 3805 EDWARDS ROAD, SUITE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $798 | $184 | $982 | 0.18% |
| DAVID A SHORT3 Filed as: DAVID A. SHORT | 424 WARDS CORNER ROAD, SUITE 120 LOVELAND, OH 45140 | NORTHWESTERN MUTUAL | $399 | $92 | $491 | 0.09% |
| DANIEL T. WALKER3 | 3805 EDWARDS ROAD, SUITE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $239 | $55 | $294 | 0.06% |
| JENNIFER M HOMER3 Filed as: JENNIFER M. HOMER | 424 WARDS CORNER ROAD, SUITE 120 LOVELAND, OH 45140 | NORTHWESTERN MUTUAL | $160 | $37 | $197 | 0.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 3716 NORFOLK, VA 23514 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $6K | $14K | 3.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | — | $451 | $451 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $9K | — | $9K | 2.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | 312 ELM STREET, SUITE 2400 CINCINNATI, OH 45202 | VISION SERVICE PLAN | $2K | — | $2K | 2.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1 WEST 4TH STREET, SUITE 1300 CINCINNATI, OH 45202 | VISION SERVICE PLAN | $377 | — | $377 | 0.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $741 | $7K | 16.78% |
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 | 576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 893 | $345K |
| Vision | VISION SERVICE PLAN | 668 | $57K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 930 | $441K |
| Long-term disability | NORTHWESTERN MUTUAL | 569 | $532K |
| Other(3 contracts, 3 carriers) | NORTHWESTERN MUTUAL | 930 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 930 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.