| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SCHELLER BRADFORD GROUP3 | 463 OHIO PIKE - STE. 303 CINCINNATI, OH 45255 | SUPERIOR DENTAL CARE, INC. | $11K | — | $11K | 5.19% |
| THE SCHELLER BRADFORD GROUP3 | 463 OHIO PIKE - STE 303 CINCINNATI, OH 45255 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.61% |
| THE SCHELLER BRADFORD GROUP3 | 463 OHIO PIKE STE 303 CINCINNATI, OH 45255 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 3.26% |
| THE SCHELLER BRADFORD GROUP3 | 463 OHIO PIKE - STE 303 CINCINNATI, OH 45255 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $142K |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE, INC. | 731 | $220K |
| Vision | COMMUNITY INSURANCE COMPANY | 273 | $36K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $226K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $193K |
| Stop-loss / reinsurancereinsurance | ZURICH NORTH AMERICAN INSURANCE COMPANY | 334 | $345K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 731 | — |
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.