| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | COMMUNITY INSURANCE COMPANY | $35K | — | $35K | 1.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | COMMUNITY INSURANCE COMPANY | $14K | — | $14K | 0.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT STREET, SUITE 400 DAYTON, OH 45402 | HARTFORD LIFE AND ACCIDENT | $41K | $5K | $47K | 11.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET, SUITE 800 WORCHESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 1.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | SUPERIOR DENTAL CARE, INC | $10K | — | $10K | 5.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | VISION SERVICE PLAN | $2K | — | $2K | 4.35% |
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 | 376 | 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) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 524 | $2.2M |
| Dental | SUPERIOR DENTAL CARE, INC | 632 | $180K |
| Vision | VISION SERVICE PLAN | 235 | $35K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 376 | $414K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 376 | $414K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 376 | $414K |
| Other | HARTFORD LIFE AND ACCIDENT | 376 | $414K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 632 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.