| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SECOND ACT BENEFITS INC3 Filed as: SECOND ACTS BENEFITS INC | 424 WARS CORNER RD STE 120 LOVELAND, OH 45140 | COMMUNITY INSURANCE COMPANY | $13K | — | $13K | 2.24% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC BENEFITS OF CINTI INC | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC BENEFITS OF CINTI INC | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $295 | — | $295 | 1.50% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSUR SERVICES | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | SUN LIFE ASSURANCE COMPANY OF CANADA | $598 | — | $598 | 9.63% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC BENEFITS OF CINTI INC | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $503 | — | $503 | 10.01% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC BENEFITS OF CINTI INC | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $337 | — | $337 | 10.71% |
No Schedule C service providers reported on this filing.
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 | 287 | 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) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 236 | $599K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 39 | $6K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 266 | $5K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 287 | $31K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 286 | $20K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 287 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.