| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC EMP BENEFIT SVS | 424 WARDS CORNER RD SE 120 LOVELAND, OH 45140 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.52% |
| BENEFIT SOLUTIONS SERVICES IINC3 | 6627 RIDGEVIEW CT LOVELAND, OH 45140 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $568 | — | $568 | 1.21% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC EMP BENEFIT SVCS OF CINTI | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $421 | $180 | $601 | 10.61% |
| BENEPAY TECHNOLOGIES3 | 18310 MONTGOMERY VLG AVE S GATHERSBURG, MD 20879 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | $283 | $283 | 4.99% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC BENEFITS OF CINCINNATI I | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $235 | — | $235 | 4.15% |
| BENEFIT SERVICES SOLUTIONS INC3 | 10751 MONTGOMERY RD CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $194 | — | $194 | 3.42% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE CO | 140 | $6K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $47K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $47K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE CO | 140 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.