| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CINCINNATI BENEFIT SOLUTIONS3 Filed as: CINCINNATI BENEFIT SOLUTIONS, LLC | 4472 BRIDGETOWN RD CINCINNATI, OH 45211 | MEDICAL MUTUAL OF OHIO | $70K | $50K | $120K | 17.00% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SVCS | 2101 FLORENCE AVE CINCINNATI, OH 45206 | MEDICAL MUTUAL OF OHIO | $0 | $44 | $44 | 0.01% |
| CINCINNATI BENEFIT SOLUTIONS3 | 4472 BRIDGETOWN RD CINCINNATI, OH 45211 | DENTAL CARE PLUS, INC. | $13K | $0 | $13K | 7.15% |
| GERALD J STRICKER3 | 5708 FARLOOK DR CINCINNATI, OH 45247 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.01% |
| GERALD J STRICKER3 | 5708 FARLOOK DR CINCINNATI, OH 45247 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $0 | $20K | 15.00% |
| GERALD J STRICKER3 | 5708 FARLOOK DR CINCINNATI, OH 45247 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.35% |
| GERALD J STRICKER3 | 5708 FARLOOK DR CINCINNATI, OH 45247 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.12% |
| GERALD J STRICKER3 | 5708 FARLOOK DR CINCINNATI, OH 45247 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $768 | $0 | $768 | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL SERVICES EIN 34-1922587 ADMINISTRATIVE SERVICES | Other services; Claims processing Service code 12 | — | $177K |
| CINCINNATI BENEFIT SOLUTIONS, LLC BROKER | Other commissions Service code 55 | 4472 BRIDGETOWN RD CINCINNATI, OH 45211 | $0 |
| GERALD J 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 | 493 | 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) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 348 | $184K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 247 | $26K |
| Life insurance(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 493 | $195K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 493 | $60K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 493 | $117K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 390 | $707K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 479 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.