| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GERALD J STRICKER3 Filed as: GERALD STRICKER | 5708 FARLOOK DR CINCINNATI, OH 45247 | UNITED HEALTHCARE INSURANCE COMPANY | $42K | — | $42K | 7.08% |
| CINCINNATI BENEFIT SOLUTIONS3 Filed as: CINCINNATI BENEFIT SOLUTIONS, INC. | 4472 BRIDGETOWN RD CINCINNATI, OH 45211 | DENTAL CARE PLUS, INC. | $10K | — | $10K | 6.93% |
| GERALD J STRICKER3 Filed as: GERALD STRICKER | 5708 FARLOOK DR CINCINNATI, OH 45247 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $12K | $29K | 24.91% |
| GERALD J STRICKER3 | 5708 FARLOOK DR CINCINNATI, OH 45247 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $10K | $13K | 13.42% |
| GERALD J STRICKER3 Filed as: GERALD R STRICKER | 5708 FARLOOK DR CINCINNATI, OH 45247 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $8K | $13K | 15.28% |
| GERALD J STRICKER3 Filed as: GERALD R STRICKER | 5708 FARLOOK DR CINCINNATI, OH 45247 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $4K | $7K | 15.85% |
| CINCINNATI BENEFIT SOLUTIONS3 | 9900 PRINCETON-GLENDALE RD STE 100 CINCINNATI, OH 45246 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| INSURANCE ASSOCIATES PLUS, INC.3 Filed as: INSURANCE ASSOCIATES PLUS | 100 CROWNE POINT PLACE CINCINNATI, OH 45241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE | 2101 FLORENCE AVE CINCINNATI, OH 45206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $141 | $1K | 12.30% |
| GERALD J STRICKER3 Filed as: GERALD R STRICKER | 5708 FARLOOK DR CINCINNATI, OH 45247 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $289 | $289 | 9.51% |
| WALTER P DOLLE INSURANCE AGENCY3 Filed as: WALTER P DOLLE INSURANCY AGCY | 201 E 5TH ST STE 1000 CINCINNATI, OH 45202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $403 | — | $403 | 20.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $171K |
| CINCINNATI BENEFIT SOLUTIONS BROKER | Other commissions Service code 55 | 4472 BRIDGETOWN RD CINCINNATI, OH 45211 | $0 |
| CORNERSTONE BROKER INS SERVICES EIN 31-1768631 BROKER | Other commissions Service code 55 | 2101 FLORENCE AVE CINCINNATI, OH 45206 | $0 |
| GERALD STRICKER BROKER | Other commissions Service code 55 | 5708 FARLOOK DR CINCINNATI, OH 45247 | $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 | 647 | 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) | 647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 292 | $144K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 199 | $29K |
| Life insurance(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 437 | $174K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 437 | $54K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 437 | $96K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 647 | $590K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 424 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 647 | — |
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.