| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEEN SPITLER BENEFITS GROUP LLC3 Filed as: LEEN SPILTER BENEFITS GROUP | 8051 WASHINGTON VILLAGE DRIVE DAYTON, OH 45458 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 3.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | COMMUNITY INSURANCE COMPANY | $808 | — | $808 | 1.80% |
| LEEN SPITLER BENEFITS GROUP LLC3 Filed as: LEEN SPITLER BENEFITS GROUP | 8051 WASHINGTON VILLAGE DRIVE DAYTON, OH 45458 | ANTHEM LIFE INSUANCE COMPANY | $11K | — | $11K | 26.16% |
| LEEN SPITLER BENEFITS GROUP LLC3 Filed as: LEEN SPITLER BENEFITS GROUP | 8051 WASHINGTON VILLAGE DRIVE DAYTON, OH 45458 | COMMUNITY INSURANCE COMPANY | $725 | — | $725 | 5.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | COMMUNITY INSURANCE COMPANY | $357 | — | $357 | 2.64% |
| BENEFITS NETWORK INC. (WEXFORD,PA)3 Filed as: BENEFITS NETWORK INSURANCE | 4555 LAKE FORREST DRIVE CINCINNATI, OH 45242 | COMMUNITY INSURANCE COMPANY | $111 | — | $111 | 0.82% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMMUNITY INSURANCE COMPANY | 113 | $45K |
| Vision | COMMUNITY INSURANCE COMPANY | 180 | $13K |
| Life insurance | ANTHEM LIFE INSUANCE COMPANY | 126 | $41K |
| Short-term disability | ANTHEM LIFE INSUANCE COMPANY | 126 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.