| 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 | $19K | $4K | $23K | 19.16% |
| PATRIOT GROWTH INSURANCE SERVICES | 501 OFFICE CENTER DRIVE STE 215 FORT WASHINGTON, PA 19034 | DENTAL CARE PLUS INC | $2K | — | $2K | 2.51% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC BENEFITS OF CINTI | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | DENTAL CARE PLUS INC | $882 | — | $882 | 1.14% |
| JAMES HARRY DAFFIN3 | 3805 EDWARDS RD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $3K | $730 | $4K | 6.47% |
| KELLEY FINANCIAL GRP3 | 3805 EDWARDS RD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $589 | $71 | $660 | 1.18% |
| PATRICK KERN3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $30 | $7 | $37 | 0.07% |
| DAVID SHEAFFER3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $30 | $7 | $37 | 0.07% |
| ANDREW JAMES PLATT | 70 BIRCH ALY STE 210 BEAVERCREEK, OH 45440 | NORTHWESTERN MUTUAL | $2 | $1 | $3 | 0.01% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER ROAD LOVELAND, OH 45140 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.90% |
| JAMES HARRY DAFFIN3 | 3805 EDWARDS RD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $2K | $544 | $3K | 16.61% |
| KELLEY FINANCIAL GRP3 | 3805 EDWARDS RD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $439 | $53 | $492 | 3.03% |
| PATRICK KERN3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $22 | $6 | $28 | 0.17% |
| DAVID SHEAFFER3 | 7570 BALES ST STE 200 WEST CHESTER, OH 45069 | NORTHWESTERN MUTUAL | $22 | $6 | $28 | 0.17% |
| ANDREW JAMES PLATT | 70 BIRCH ALY STE 210 BEAVERCREEK, PA 45440 | NORTHWESTERN MUTUAL | $1 | $1 | $2 | 0.01% |
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 | 513 | 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) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS INC | 347 | $78K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 324 | $20K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 513 | $120K |
| Short-term disability | NORTHWESTERN MUTUAL | 483 | $56K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 513 | $137K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 513 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.