| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SECOND ACT BENEFITS INC3 Filed as: SECOND ACT BENEFITS | 424 WARDS CORNER ROAD LOVELAND, OH 45140 | MEDICAL MUTUAL | $28K | $60 | $28K | 3.24% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER ROAD LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 17.76% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FREEWAY HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $978 | $2K | 4.26% |
| STRATEGIC BENEFITS OF CINCINNATI3 Filed as: STRATEGIC BENEFITS OF OHIO | 424 WARDS CORNER ROAD LOVELAND, OH 45140 | EYEMED | $971 | — | $971 | 9.98% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 98 | $870K |
| Vision | EYEMED | 186 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $56K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $56K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $56K |
| Prescription drug | MEDICAL MUTUAL | 98 | $870K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.