| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 309 WEBSTER STREET DAYTON, OH 45402 | MEDICAL MUTUAL OF OHIO | $71K | $22K | $93K | 3.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 350 S GRAND AVENUE SUITE 3410 LOS ANGELES, CA 90071 | HARTFORD LIFE AND ACCIDENT | $19K | $5K | $25K | 17.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 60 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | SUPERIOR DENTAL CARE | $14K | $5K | $18K | 13.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INS, A MARSH & MCLENNAN | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | EYEMED | $2K | — | $2K | 10.88% |
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 | 530 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 530 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 396 | $2.7M |
| Dental | SUPERIOR DENTAL CARE | 306 | $135K |
| Vision | EYEMED | 445 | $23K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 530 | $140K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 396 | $2.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 530 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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."
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.