| 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 | 4.61% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 6.09% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.01% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 6.26% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $603 | $603 | 1.04% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.60% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.51% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $534 | $534 | 1.09% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $613 | $613 | 3.88% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $441 | $441 | 3.89% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $370 | $370 | 3.73% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $772 | — | $772 | 9.99% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $568 | $568 | 7.35% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $95 | $95 | 1.23% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | ALLSTATE | $73 | — | $73 | 8.08% |
| KATIE MIRACLE AGENCY3 | 733 WINDFIELD DR LOVELAND, OH 45140 | ALLSTATE | $63 | — | $63 | 6.97% |
| LEIGH ANN KENDRA MAURER3 | 1630 ALCOR TERRACE CINCINNATI, OH 45230 | ALLSTATE | $40 | — | $40 | 4.42% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD, SUITE 100 NEW CASTLE, PA 16105 | ALLSTATE | $38 | — | $38 | 4.20% |
| MARK L HUFHAND3 | 925 S MAIN ST NORTH CANTON, OH 44720 | ALLSTATE | $20 | — | $20 | 2.21% |
| RICHARD GARLAND BAILEY3 | 131 KING LEES COURT LEXINGTON, SC 29072 | ALLSTATE | $11 | — | $11 | 1.22% |
| KATIE MIRACLE AGENCY3 | 733 WINDFIELD DR LOVELAND, OH 45140 | ALLSTATE | $31 | — | $31 | 5.02% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | ALLSTATE | $30 | — | $30 | 4.86% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD, SUITE 100 NEW CASTLE, PA 16105 | ALLSTATE | $15 | — | $15 | 2.43% |
| LEIGH ANN KENDRA MAURER3 | 1630 ALCOR TERRACE CINCINNATI, OH 45230 | ALLSTATE | $14 | — | $14 | 2.27% |
| RICHARD GARLAND BAILEY3 | 131 KING LEES COURT LEXINGTON, SC 29072 | ALLSTATE | $6 | — | $6 | 0.97% |
| MARK L HUFHAND3 | 925 S MAIN ST NORTH CANTON, OH 44720 | ALLSTATE | $5 | — | $5 | 0.81% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | ALLSTATE | $18 | — | $18 | 3.32% |
| KATIE MIRACLE AGENCY3 | 733 WINDFIELD DR LOVELAND, OH 45140 | ALLSTATE | $18 | — | $18 | 3.32% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD, SUITE 100 NEW CASTLE, PA 16105 | ALLSTATE | $10 | — | $10 | 1.85% |
| LEIGH ANN KENDRA MAURER | 1630 ALCOR TERRACE CINCINNATI, OH 45230 | ALLSTATE | $7 | — | $7 | 1.29% |
| MARK L HUFHAND3 | 925 S MAIN ST NORTH CANTON, OH 44720 | ALLSTATE | $4 | — | $4 | 0.74% |
| BAILEY RICHARDS GARLAND3 | 131 KING LEES COURT LEXINGTON, SC 29072 | ALLSTATE | $3 | — | $3 | 0.55% |
| KATIE MIRACLE AGENCY3 | 733 WINDFIELD DR LOVELAND, OH 45140 | ALLSTATE | $8 | — | $8 | 1.61% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | ALLSTATE | $7 | — | $7 | 1.41% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD, SUITE 100 NEW CASTLE, PA 16105 | ALLSTATE | $4 | — | $4 | 0.80% |
| LEIGH ANN KENDRA MAURER3 | 1630 ALCOR TERRACE CINCINNATI, OH 45230 | ALLSTATE | $3 | — | $3 | 0.60% |
| RICHARD GARLAND BAILEY3 | 131 KING LEES COURT LEXINGTON, SC 29072 | ALLSTATE | $1 | — | $1 | 0.20% |
| MARK L HUFHAND3 | 925 S MAIN ST NORTH CANTON, OH 44720 | ALLSTATE | $1 | — | $1 | 0.20% |
| KATIE MIRACLE AGENCY3 | 733 WINDFIELD DR LOVELAND, OH 45140 | ALLSTATE | $22 | — | $22 | 4.78% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | ALLSTATE | $21 | — | $21 | 4.57% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD, SUITE 100 NEW CASTLE, PA 16105 | ALLSTATE | $11 | — | $11 | 2.39% |
| LEIGH ANN KENDRA MAURER3 | 1630 ALCOR TERRACE CINCINNATI, OH 45230 | ALLSTATE | $10 | — | $10 | 2.17% |
| RICHARD GARLAND BAILEY3 | 131 KING LEES COURT LEXINGTON, SC 29072 | ALLSTATE | $5 | — | $5 | 1.09% |
| MARK L HUFHAND3 | 925 S MAIN ST NORTH CANTON, OH 44720 | ALLSTATE | $4 | — | $4 | 0.87% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | ALLSTATE | $21 | — | $21 | — |
| KATIE MIRACLE AGENCY3 | 733 WINDFIELD DR LOVELAND, OH 45140 | ALLSTATE | $19 | — | $19 | — |
| LAYNE FINANCIAL INC | 3009 WILMINGTON RD, SUITE 100 NEW CASTLE, PA 16105 | ALLSTATE | $11 | — | $11 | — |
| LEIGH ANN KENDRA MAURER3 | 1630 ALCOR TERRACE CINCINNATI, OH 45230 | ALLSTATE | $10 | — | $10 | — |
| MARK L HUFHAND3 | 925 S MAIN ST NORTH CANTON, OH 44720 | ALLSTATE | $6 | — | $6 | — |
| RICHARD GARLAND BAILEY3 | 131 KING LEES COURT LEXINGTON, SC 29072 | ALLSTATE | $4 | — | $4 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Float revenue; Claims processing; Direct payment from the plan; Other fees Service code 12 | — | $621K |
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $9K |
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 | 606 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 364 | $567K |
| Dental | SUPERIOR DENTAL CARE | 501 | $152K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 531 | $49K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2 | $17K |
| Long-term disability(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 311 | $66K |
| Other(7 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 531 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.