| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 3805 EDWARDS RD SUITE 200 CINCINNATI, OH 45209 | DENTAL CARE PLUS INC. | $6K | — | $6K | 4.62% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMPLOYEE BENEFIT SERIVCES | 424 WARDS CORNER RD LOVELAND, OH 45140 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 6.24% |
| PATRICK KERN3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | NORTHWESTERN MUTUAL | $2K | $413 | $2K | 4.67% |
| DOUG SHEAFFER3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $451 | $106 | $557 | 1.17% |
| KELLEY FINANCIAL GRP3 | 3805 EDWARDS RD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $456 | $40 | $496 | 1.04% |
| JEFFREY GAYHONSKI3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $64 | $15 | $79 | 0.17% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD LOVELAND, OH 45140 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 8.66% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMPLOYEE BENEFIT SVCS | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | FIDELITY SECURITY LIFE INSURANCE | $1K | $636 | $2K | 10.79% |
| PATRICK KERN3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | NORTHWESTERN MUTUAL | $1K | $324 | $2K | 13.94% |
| DAVID SHEAFFER3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $355 | $84 | $439 | 3.51% |
| KELLEY FINANCIAL GRP3 | 3805 EDWARDS RD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $354 | $31 | $385 | 3.07% |
| JEFFREY GAYHONSKI3 Filed as: JEFFREY GAYONSKI | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $48 | $11 | $59 | 0.47% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS INC. | 488 | $127K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 316 | $18K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 603 | $41K |
| Short-term disability | NORTHWESTERN MUTUAL | 400 | $47K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 486 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.