| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | SUPERIOR DENTAL CARE | $7K | — | $7K | 4.70% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $2K | $15K | 11.94% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 11.97% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 9.70% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | ALLSTATE | $812 | — | $812 | 8.13% |
| KATIE MIRACLE AGENCY3 | 733 WINDFIELD DR LOVELAND, OH 45140 | ALLSTATE | $709 | — | $709 | 7.10% |
| LEIGH ANN KENDRA MAURER3 | 1630 ALCOR TERRACE CINCINNATI, OH 45230 | ALLSTATE | $439 | — | $439 | 4.39% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD, SUITE 100 NEW CASTLE, PA 16105 | ALLSTATE | $418 | — | $418 | 4.18% |
| MARK L HUFHAND3 | 925 S MAIN ST NORTH CANTON, OH 44720 | ALLSTATE | $228 | — | $228 | 2.28% |
| RICHARD GARLAND BAILEY3 | 131 KING LEES COURT LEXINGTON, SC 29072 | ALLSTATE | $129 | — | $129 | 1.29% |
| KATIE MIRACLE AGENCY3 | 733 WINDFIELD DR LOVELAND, OH 45140 | ALLSTATE | $225 | — | $225 | 3.18% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | ALLSTATE | $208 | — | $208 | 2.94% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD, SUITE 100 NEW CASTLE, PA 16105 | ALLSTATE | $122 | — | $122 | 1.73% |
| LEIGH ANN KENDRA MAURER3 | 1630 ALCOR TERRACE CINCINNATI, OH 45230 | ALLSTATE | $82 | — | $82 | 1.16% |
| MARK L HUFHAND3 | 925 S MAIN ST NORTH CANTON, OH 44720 | ALLSTATE | $44 | — | $44 | 0.62% |
| RICHARD GARLAND BAILEY3 | 131 KING LEES COURT LEXINGTON, SC 29072 | ALLSTATE | $35 | — | $35 | 0.50% |
| KATIE MIRACLE AGENCY3 | 733 WINDFIELD DR LOVELAND, OH 45140 | ALLSTATE | $403 | — | $403 | 5.84% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | ALLSTATE | $392 | — | $392 | 5.69% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD, SUITE 100 NEW CASTLE, PA 16105 | ALLSTATE | $195 | — | $195 | 2.83% |
| LEIGH ANN KENDRA MAURER3 | 1630 ALCOR TERRACE CINCINNATI, OH 45230 | ALLSTATE | $190 | — | $190 | 2.76% |
| RICHARD GARLAND BAILEY3 | 131 KING LEES COURT LEXINGTON, SC 29072 | ALLSTATE | $82 | — | $82 | 1.19% |
| MARK L HUFHAND3 | 925 S MAIN ST NORTH CANTON, OH 44720 | ALLSTATE | $66 | — | $66 | 0.96% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | ALLSTATE | $323 | — | $323 | 5.68% |
| KATIE MIRACLE AGENCY3 | 733 WINDFIELD DR LOVELAND, OH 45140 | ALLSTATE | $286 | — | $286 | 5.03% |
| LAYNE FINANCIAL INC | 3009 WILMINGTON RD, SUITE 100 NEW CASTLE, PA 16105 | ALLSTATE | $177 | — | $177 | 3.11% |
| LEIGH ANN KENDRA MAURER3 | 1630 ALCOR TERRACE CINCINNATI, OH 45230 | ALLSTATE | $173 | — | $173 | 3.04% |
| MARK L HUFHAND3 | 925 S MAIN ST NORTH CANTON, OH 44720 | ALLSTATE | $81 | — | $81 | 1.42% |
| RICHARD GARLAND BAILEY3 | 131 KING LEES COURT LEXINGTON, SC 29072 | ALLSTATE | $46 | — | $46 | 0.81% |
| KATIE MIRACLE AGENCY3 | 733 WINDFIELD DR LOVELAND, OH 45140 | ALLSTATE | $278 | — | $278 | 4.96% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | ALLSTATE | $266 | — | $266 | 4.74% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD, SUITE 100 NEW CASTLE, PA 16105 | ALLSTATE | $135 | — | $135 | 2.41% |
| LEIGH ANN KENDRA MAURER3 | 1630 ALCOR TERRACE CINCINNATI, OH 45230 | ALLSTATE | $120 | — | $120 | 2.14% |
| RICHARD GARLAND BAILEY3 | 131 KING LEES COURT LEXINGTON, SC 29072 | ALLSTATE | $60 | — | $60 | 1.07% |
| MARK L HUFHAND3 | 925 S MAIN ST NORTH CANTON, OH 44720 | ALLSTATE | $47 | — | $47 | 0.84% |
| JOHN CAUPP3 | 936 ORVILLE WAY XENIA, OH 45385 | ALLSTATE | $1 | — | $1 | 0.02% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | ALLSTATE | $222 | — | $222 | 6.76% |
| KATIE MIRACLE AGENCY3 | 733 WINDFIELD DR LOVELAND, OH 45140 | ALLSTATE | $208 | — | $208 | 6.33% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD, SUITE 100 NEW CASTLE, PA 16105 | ALLSTATE | $116 | — | $116 | 3.53% |
| LEIGH ANN KENDRA MAURER3 | 1630 ALCOR TERRACE CINCINNATI, OH 45230 | ALLSTATE | $105 | — | $105 | 3.20% |
| MARK L HUFHAND3 | 925 S MAIN ST NORTH CANTON, OH 44720 | ALLSTATE | $61 | — | $61 | 1.86% |
| RICHARD GARLAND BAILEY3 | 131 KING LEES COURT LEXINGTON, SC 29072 | ALLSTATE | $40 | — | $40 | 1.22% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $946 | $187 | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Other fees; Claims processing; Float revenue Service code 12 | — | $101K |
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 | 748 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 748 | 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 | 589 | $432K |
| Dental | SUPERIOR DENTAL CARE | 533 | $140K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 748 | $180K |
| Short-term disability(2 contracts) | ALLSTATE | 35 | $13K |
| Long-term disability(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 384 | $74K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 748 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 748 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.