| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD LOVELAND, OH 45140 | ANTHEM LIFE INSURANCE COMPANY | $6K | — | $6K | 3.75% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES Filed as: STRATEGIC EMPLOYEE BENEFIT SVCS | 8044 MONTGOMERY RD CINCINNATI, OH 45236 | ANTHEM LIFE INSURANCE COMPANY | $377 | — | $377 | 0.23% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 10792 KENWOOD RD CINCINNATI, OH 45242 | DENTAL CARE PLUS INC. | $6K | — | $6K | 4.89% |
| PATRICK KERN3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $2K | $618 | $3K | 6.35% |
| DOUG SHEAFFER3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $554 | $140 | $694 | 1.56% |
| KELLEY FINANCIAL GRP3 | 3805 EDWARDS RD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $483 | $58 | $541 | 1.21% |
| JEFFREY GAYHONSKI3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $71 | $25 | $96 | 0.22% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMPLOYEE BENEFIT SVCS | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | FIDELITY SECURITY LIFE INSURANCE | $3K | — | $3K | 10.03% |
| PATRICK KERN3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $1K | $336 | $2K | 15.35% |
| DAVID SHEAFFER3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $301 | $76 | $377 | 3.76% |
| KELLEY FINANCIAL GRP3 | 3805 EDWARDS RD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $261 | $31 | $292 | 2.91% |
| JEFFREY GAYHONSKI3 Filed as: JEFFREY GAYONSKI | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $40 | $14 | $54 | 0.54% |
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 | 626 | 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) | 626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS INC. | 421 | $120K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 386 | $25K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 626 | $167K |
| Short-term disability | NORTHWESTERN MUTUAL | 546 | $45K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 626 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 626 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.