| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY WILSON RICH3 | 3805 EDWARDS ROAD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $10 | $223 | $233 | 0.90% |
| HOWARD L TOMB3 | 3805 EDWARDS ROAD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $63 | $16 | $79 | 0.30% |
| TIMOTHY CAILOR MILLER3 | 3805 EDWARDS ROAD SUITE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $47 | $20 | $67 | 0.26% |
| KELLEY FINANCIAL GRP3 Filed as: KELLEY FNCL GRP INC | 3805 EDWARDS ROAD SUITE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $3 | $0 | $3 | 0.01% |
| JEFFREY WILSON RICH3 | 3805 EDWARDS ROAD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $8 | $86 | $94 | 1.03% |
| JEFFREY WILSON RICH3 Filed as: JEFFREY CAILOR MILLER | 3805 EDWARDS ROAD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $23 | $10 | $33 | 0.36% |
| HOWARD L TOMB3 | 3805 EDWARDS ROAD STE 200 CINCINNATI, OH 45309 | NORTHWESTERN MUTUAL | $23 | $5 | $28 | 0.31% |
| KELLEY FINANCIAL GRP3 Filed as: KELLEY FNCL GRP INC. | 3805 EDWARDS ROAD STE 200 CINCINNATI, OH 45209 | NORTHWESTERN MUTUAL | $6 | $1 | $7 | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STRATEGIC ADVISORS, INC. EIN 04-2654524 ADVISOR | Investment advisory (plan) Service code 27 | — | $22K |
| FLYNN AND COMPANY EIN 31-1451941 ACCOUNTANT/AUDITOR | Accounting (including auditing) Service code 10 | — | $18K |
| FROST BROWN TODD LLC ATTORNEY/LEGAL | Legal Service code 29 | PO BOX 5716 CINCINNATI, OH 45201 | $17K |
| FIDELITY INVESTMENTS INSTITUTIONAL EIN 04-2647786 RECORDKEEPER | Recordkeeping fees; Securities brokerage commissions and fees; Sub-transfer agency fees; Account maintenance fees; Participant loan processing Service code 37 | — | -$50K |
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 | 486 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 110 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | NORTHWESTERN MUTUAL | 16 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16 | — |
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.