| 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 | 6.16% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 10792 KENWOOD ROAD CINCINNATI, OH 45242 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES | 3805 EDWARDS RD, 2ND FLOOR CINCINNATI, OH 45209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $173 | — | $173 | 9.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other fees; Float revenue Service code 12 | — | $162K |
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 | 501 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 501 | 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 | 188 | $417K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 462 | $169K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 294 | $63K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 462 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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."
No prospect flags tripped on this filing.