| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $12K | $35K | 7.52% |
| DAVID M. SCHIMBERG3 | 3805 EDWARDS ROAD, SUITE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $2K | $442 | $2K | 0.54% |
| KELLEY FINANCIAL GRP3 Filed as: KELLEY FINANCIAL GROUP, INC. | 3805 EDWARDS ROAD, SUITE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $945 | $83 | $1K | 0.23% |
| PATRICK KERN3 Filed as: PATRICK C. KERN | 424 WARDS CORNER ROAD, SUITE 120 LOVELAND, OH 45140 | NORTHWESTERN MUTUAL | $638 | $147 | $785 | 0.18% |
| CHARLES C LEADINGHAM3 Filed as: CHARLES C. LEADINGHAM | 424 WARDS CORNER ROAD, SUITE 120 LOVELAND, OH 45140 | NORTHWESTERN MUTUAL | $568 | $131 | $699 | 0.16% |
| CHARLES DANIEL PAYNE3 | 3805 EDWARDS ROAD, SUITE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $425 | $98 | $523 | 0.12% |
| DAVID A SHORT3 Filed as: DAVID A. SHORT AND JENNIFER HOMER | 424 WARDS CORNER ROAD, SUITE 120 LOVELAND, OH 45140 | NORTHWESTERN MUTUAL | $298 | $69 | $367 | 0.08% |
| DANIEL T. WALKER3 | 3805 EDWARDS ROAD, SUITE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $128 | $29 | $157 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | LOCK BOX 71290 CHICAGO, IL 60694 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 8.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $466 | — | $466 | 1.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $352 | — | $352 | 0.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.59% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $216 | $3K | 6.25% |
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 | 711 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 738 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 976 | $381K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 755 | $45K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 695 | $464K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 703 | $569K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 703 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 976 | — |
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.