| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 3805 EDWARDS RD, 2ND FLOOR CINCINNATI, OH 45209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 10.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 10792 KENWOOD ROAD CINCINNATI, OH 45242 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES | 3805 EDWARDS RD, 2ND FLOOR CINCINNATI, OH 45209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.85% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 10792 KENWOOD ROAD CINCINNATI, OH 45242 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 12.65% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES | 3805 EDWARDS RD, 2ND FLOOR CINCINNATI, OH 45209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $163 | — | $163 | 9.99% |
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 | 507 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 507 | $335K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 466 | $168K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 306 | $61K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 466 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.