| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | DENTAL CARE PLUS GROUP | $5K | — | $5K | 5.24% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | THE LINCOLN NATIONAL LIFE COMPANY | $3K | — | $3K | 6.50% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMPLOYEE BENEFIT SVCS | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | THE LINCOLN NATIONAL LIFE COMPANY | $1K | $885 | $2K | 5.76% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC EMPL BENEFITS OF CINTI | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | THE LINCOLN NATIONAL LIFE COMPANY | $463 | $147 | $610 | 8.90% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC BENEFITS OF CINTI | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | THE LINCOLN NATIONAL LIFE COMPANY | $401 | — | $401 | 5.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PARTNERS MANAGING STOP LOSS | Insurance services Service code 23 | — | $193K |
| INNOVATIVE MEDICAL RISK MGMNT EIN 45-4167263 PATIENT ADVOCATE | Insurance services Service code 23 | — | $156K |
| CUSTOM DESIGN BENEFITS LLC EIN 81-0798821 CLAIMS PROCESSING | Claims processing Service code 12 | — | $39K |
| STRATEGIC EMPLOYEE BENEFITS EIN 31-1227135 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $30K |
| HCC BENEFITS EIN 35-1817054 STOP/LOSS | Insurance services Service code 23 | — | $16K |
| MEDICAL MUTUAL EIN 34-0648820 PPO PROVIDER | Insurance services Service code 23 | — | $9K |
| RX RESULTS EIN 26-3233073 PRESCRIPTION AUTHORIZATIO | Claims processing Service code 12 | — | $4K |
| PAYER COMPASS EIN 46-2047081 CLAIMS REPRICER | Claims processing Service code 12 | — | $1K |
| THE PHIA GROUP EIN 46-1439866 OTHER | Other services Service code 49 | — | $479 |
| ZELIS (GLOBAL CARE) EIN 31-1407689 PPO PROVIDER | Insurance services Service code 23 | — | $258 |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS GROUP | 99 | $93K |
| Life insurance | THE LINCOLN NATIONAL LIFE COMPANY | 131 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE COMPANY | 125 | $40K |
| Other | THE LINCOLN NATIONAL LIFE COMPANY | 131 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.