| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GERALD J STRICKER3 | 5708 FARLOOK DR CINCINNATI, OH 45247 | UNITED HEALTHCARE INSURANCE COMPANY | $66K | — | $66K | 9.29% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE | 2101 FLORENCE AVENUE CINCINNAI, OH 45206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $12K | 8.17% |
| CINCINNATI BENEFIT SOLUTIONS3 | 4472 BRIDGETOWN RD CINCINNATI, OH 45211 | DENTAL CARE PLUS, INC. | $9K | — | $9K | 6.38% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE | 2101 FLORENCE AVE CINCINNATI, OH 45206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $1K | $19K | 16.25% |
| CINCINNATI BENEFIT SOLUTIONS3 | 9900 PRINCETON-GLENDALE RD STE 100 CINCINNATI, OH 45246 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| DENTAL CARE PLUS3 | 100 CROWNE POINT PLACE CINCINNATI, OH 45241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| WALTER P DOLLE INSURANCE AGENCY3 | 201 E 5TH STREET STE 1000 CINCINNATI, OH 45202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 16.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $169K |
| GERALD J STRICKER BROKER | Other commissions Service code 55 | 5708 FARLOOK DR CINCINNATI, OH 45247 | $66K |
| CORNERSTONE BROKER INS AGENCY EIN 31-1768631 BROKER | Other commissions Service code 55 | 2101 FLORENCE AVE CINCINNATI, OH 45206 | $32K |
| CINCINNATI BENEFIT SOLUTIONS BROKER | Other commissions Service code 55 | 9900 PRINCETON-GLENDALE RD STE 100 CINCINNATI, OH 45246 | $0 |
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 | 418 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 277 | $143K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 196 | $28K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 418 | $271K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 418 | $271K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 418 | $152K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 611 | $713K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 611 | — |
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."
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.