| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | DELTA DENTAL OF OHIO | $3K | — | $3K | 6.22% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER STE 120 LOVELAND, OH 45140 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $834 | $5K | 13.76% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS | 424 WARDS CORNER STE 120 LOVELAND, OH 45140 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 3.69% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER ROAD LOVELAND, OH 45140 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 13.23% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER STE 120 LOVELAND, OH 45140 | AMERICAN UNITED LIFE INSURANCE COMPANY | $339 | $171 | $510 | 16.99% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS | 424 WARDS CORNER STE 120 LOVELAND, OH 45140 | AMERICAN UNITED LIFE INSURANCE COMPANY | $111 | — | $111 | 3.70% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER STE 120 LOVELAND, OH 45140 | AMERICAN UNITED LIFE INSURANCE COMPANY | $76 | $21 | $97 | 14.54% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 424 WARDS CORNER STE 120 LOVELAND, OH 45140 | AMERICAN UNITED LIFE INSURANCE COMPANY | $24 | — | $24 | 3.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STAR MARKETING & ADMINISTRATION INC EIN 36-3403079 CLAIMS PROCESSING | Other services; Claims processing; Plan Administrator Service code 12 | — | $50K |
| GI GEORGE PARENT LP EIN 87-2917800 INSURANCE AGENT/BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $36K |
| MULTIBENEFIT SERVICES OHIO EIN 36-4104766 INSURANCE AGENT/BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $16K |
| AETNA ASA EIN 06-6033492 CLAIMS PROCESSING | Claims processing; Other services Service code 12 | — | $15K |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 148 | $45K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 132 | $9K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 106 | $3K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 106 | $34K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 106 | $34K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 106 | $667 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.