| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC MIDWEST | 409 E. MONUMENT AVE. DAYTON, OH 45402 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE. STE. 400 DAYTON, OH 45402 | UNTIED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE., STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $6K | $12K | 10.13% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE., STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $6K | $11K | 10.86% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE., STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $5K | $21K | 30.39% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE., STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 26.70% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE., STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $7K | 25.87% |
| UNITED OF OMAHA LIFE INSURANCE CO5 Filed as: UNITED OF OMAHA LIFE INSURANCE CO. | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $14K | $14K | 93.77% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE. STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $950 | $950 | 6.23% |
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. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 780 | $929K |
| Dental | UNTIED OF OMAHA LIFE INSURANCE COMPANY | 338 | $201K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 780 | $929K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 453 | $172K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 453 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 453 | $115K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 780 | $929K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 453 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 780 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.