| 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 | $69K | $13K | $82K | 2.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 60 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | SUPERIOR DENTAL CARE | $17K | $5K | $22K | 13.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 350 S GRAND AVENUE SUITE 3410 LOS ANGELES, CA 90071 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 2.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INS, A MARSH & MCLENNAN | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | EYEMED | $3K | — | $3K | 10.05% |
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 | 484 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 386 | $3.2M |
| Dental | SUPERIOR DENTAL CARE | 349 | $168K |
| Vision | EYEMED | 445 | $26K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 484 | $107K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 484 | $107K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 386 | $3.2M |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 386 | $3.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 484 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.