| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC BENEFITS OF CINTI | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $3K | $14K | 24.76% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.72% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC BENEFITS OF CINTI | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 13.45% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.97% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC BENEFITS OF CINTI | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $798 | $5K | 19.38% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $456 | $456 | 1.93% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $432 | $2K | 19.41% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $247 | $247 | 1.95% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $79K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 68 | $13K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.