| 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 | $4K | — | $4K | 5.41% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | THE LINCOLN NATIONAL LIFE COMPANY | $5K | — | $5K | 9.44% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC EMP BENEFITS SVCS | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | FIDELITY SECUIRTY LIFE INSURANCE | $645 | — | $645 | 6.93% |
| STRATEGIC BENEFITS OF CINCINNATI2 Filed as: STRATEGIC BENEFITS OF CINTI | 424 WARDS CORNER RD STTE 120 LOVELAND, OH 45140 | FIDELITY SECUIRTY LIFE INSURANCE | $143 | — | $143 | 1.54% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC BENEFITS OF CINTI | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | THE LINCOLN NATIONAL LIFE COMPANY | $914 | — | $914 | 12.51% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS GROUP | 248 | $80K |
| Vision | FIDELITY SECUIRTY LIFE INSURANCE | 147 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE COMPANY | 132 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE COMPANY | 131 | $54K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 140 | $222K |
| Other | THE LINCOLN NATIONAL LIFE COMPANY | 132 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.