| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER ROAD LOVELAND, OH 45140 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.25% |
| JAMES HARRY DAFFIN3 | 3805 EDWARDS RD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $2K | $567 | $3K | 19.22% |
| KELLEY FINANCIAL GRP3 | 3805 EDWARDS RD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $459 | $56 | $515 | 3.51% |
| PATRICK KERN3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $23 | $6 | $29 | 0.20% |
| DAVID SHEAFFER3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $23 | $6 | $29 | 0.20% |
| ANDREW JAMES PLATT | 70 BIRCH ALY STE 210 BEAVERCREEK, PA 45440 | NORTHWESTERN MUTUAL | — | — | $0 | 0.00% |
| JAMES HARRY DAFFIN3 | 3805 EDWARDS RD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $214 | $54 | $268 | — |
| KELLEY FINANCIAL GRP3 | 3805 EDWARDS RD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $43 | $5 | $48 | — |
| PATRICK KERN3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $2 | $1 | $3 | — |
| DAVID SHEAFFER3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $2 | $1 | $3 | — |
| ANDREW JAMES PLATT | 70 BIRCH ALY STE 210 BEAVERCREEK, OH 45440 | NORTHWESTERN MUTUAL | — | — | $0 | — |
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 | 723 | 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) | 723 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 723 | $271K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 349 | $22K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 723 | $271K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 723 | $271K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 723 | $285K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 723 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 723 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.