| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT OF CINTI | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 13.78% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 10792 KENWOOD RD CINCINNATI, OH 45242 | DENTAL CARE PLUS INC. | $5K | — | $5K | 4.52% |
| PATRICK KERN3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $2K | $585 | $3K | 6.14% |
| DAVID SHEAFFER3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $581 | $146 | $727 | 1.53% |
| JEFFREY GAYHONSKI3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $290 | $104 | $394 | 0.83% |
| KELLEY FINANCIAL GRP3 | 3805 EDWARDS RD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $290 | $35 | $325 | 0.69% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMPLOYEE BENEFIT SVCS | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | FIDELITY SECURITY LIFE INSURANCE | $2K | — | $2K | 8.59% |
| STRATEGIC BENEFITS OF CINCINNATI Filed as: STRATEGIC BENEFITS OF CINTI | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | FIDELITY SECURITY LIFE INSURANCE | $378 | — | $378 | 1.57% |
| PATRICK KERN3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $1K | $339 | $2K | 14.81% |
| DAVID SHEAFFER3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $336 | $85 | $421 | 3.70% |
| JEFFREY GAYHONSKI3 Filed as: JEFFREY GAYONSKI | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $168 | $60 | $228 | 2.01% |
| KELLEY FINANCIAL GRP3 | 3805 EDWARDS RD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $168 | $20 | $188 | 1.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STRATEGIC BENEFITS OF CINCINNATI INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 424 WARDS CORNER RD LOVELAND, OH 45140 | $20K |
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 | 567 | 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) | 567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS INC. | 393 | $109K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 352 | $24K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 567 | $128K |
| Short-term disability | NORTHWESTERN MUTUAL | 555 | $47K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 567 | $140K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 567 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.