| 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 | AMERICAN UNITED LIFE INSURANCE COMPANY | $17K | — | $17K | 15.97% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC BENEFITS OF CINTI | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | DENTAL CARE PLUS INC | $3K | — | $3K | 4.48% |
| JAMES HARRY DAFFIN3 | 3805 EDWARDS RD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $3K | $749 | $4K | 6.20% |
| KELLEY FINANCIAL GRP3 | 3805 EDWARDS RD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $654 | $86 | $740 | 1.23% |
| PATRICK KERN3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $222 | $56 | $278 | 0.46% |
| DAVID SHEAFFER3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $78 | $20 | $98 | 0.16% |
| JAMES HARRY DAFFIN3 | 3805 EDWARDS RD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $2K | $560 | $3K | 17.05% |
| KELLEY FINANCIAL GRP3 | 3805 EDWARDS RD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $490 | $64 | $554 | 3.39% |
| PATRICK KERN3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $167 | $42 | $209 | 1.28% |
| DAVID SHEAFFER3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $59 | $15 | $74 | 0.45% |
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 | 490 | 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) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS INC | 331 | $75K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 490 | $108K |
| Short-term disability | NORTHWESTERN MUTUAL | 453 | $60K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 490 | $124K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 490 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.