| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE., STE 400 DAYTON, OH 45402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $45K | $0 | $45K | 10.00% |
| MGIS3 | 95 S STATE STREET, STE 650 SALT LAKE CITY, UT 84111 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $180 | $180 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 37 DAYTON, OH 45401 | SUPERIOR DENTAL CARE | $7K | $4K | $11K | 6.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 32332 COLLECTIONS CENTER DR. CHICAGO, IL 60693 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST. DAYTON, OH 45402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST. DAYTON, OH 45402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST. DAYTON, OH 45402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 37 DAYTON, OH 45401 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $981 | $0 | $981 | 12.00% |
| GOODWIN3 | PO BOX 325 SEVEN MILE, OH 45062 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $82 | $0 | $82 | 1.00% |
| SUSAN SVARDA ENTERPRISES LLC3 | 375 INDUSTRY DR, SUITE A CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $200 | $0 | $200 | 2.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE, STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $175 | $0 | $175 | 2.37% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 1828 IRIS TRAIL WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | $0 | $76 | 1.03% |
| LEE ROY YOUNG ENTERPRISES3 Filed as: LEE ROY YOUNG ENTERPRISES INC | 76 N BICKETT RD XENIA, OH 45385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | $0 | $74 | 1.00% |
| KYLE DUANE DAFLER3 | 2431 HAWKINS RD RICHMOND, IN 47374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | $0 | $33 | 0.45% |
| TRISTAN GAINES3 Filed as: TRISTAN EMANUEL GAINES | 1985 BRANDYWINE DR NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.30% |
| BRIAN J DAY3 Filed as: BRIAN JOSEPH DAY | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.26% |
| MICHAEL R REBER3 Filed as: MICHAEL ROY REBER | 20101 HERON CROSSING TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.16% |
| IAN B BRANYON3 Filed as: IAN BYRD BRANYON | 2301 LUCIEN WAY, STE 150 MAITLAND, FL 32751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.04% |
| SHAWN MARTIN MCDERMOTT3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.03% |
| INGER M PENNINGTON3 | 1369 BERKSHIRE DR MILFORD, OH 45150 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE | 245 | $170K |
| Vision | VISION SERVICE PLAN | 220 | $45K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 315 | $455K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 315 | $455K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 315 | $455K |
| Other(6 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 315 | $522K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
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.