| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST. DAYTON, OH 45402 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $62K | $62K | 2.54% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 37 DAYTON, OH 45401 | HARTFORD LIFE AND ACCIDENT | $58K | $0 | $58K | 10.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST., STE. 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $10K | $10K | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 32332 COLLECTION CENTER DR. CHICAGO, IL 60693 | SUPERIOR DENTAL CARE | $10K | $0 | $10K | 5.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 32332 COLLECTIONS CENTER DR. CHICAGO, IL 60693 | VISION SERVICE PLAN | $4K | $0 | $4K | 7.75% |
| SUSAN SVARDA ENTERPRISES LLC3 | 6680 POE AVE., STE. 400 DAYTON, OH 45414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $347 | $0 | $347 | 3.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVENUE, STE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $198 | $0 | $198 | 1.88% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 1828 IRIS TRAIL WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157 | $0 | $157 | 1.49% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL AVE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $123 | $0 | $123 | 1.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | $0 | $59 | 0.56% |
| KYLE RUSSEY3 Filed as: KYLE D DAFLER | 2431 HAWKINS RD RICHMOND, IN 47374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | $0 | $43 | 0.41% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO 250 PEHLE AVE., STE. 400 SADDLE BROOK, NJ 07663 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | $0 | $38 | 0.36% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 0.33% |
| MICHAEL R REBER3 | 20101 HERON CROSSING TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.29% |
| TRISTAN GAINES3 | 357 AZALEA WAY NEW BRAUNFELS, TX 78132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.19% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL AVE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.12% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.08% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.07% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD COURT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| ALEXANDRA A ARTMAN3 | 102 POINTE VIEW DR. MARS, PA 16046 | 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 | 366 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 587 | $2.5M |
| Dental | SUPERIOR DENTAL CARE | 667 | $167K |
| Vision | VISION SERVICE PLAN | 253 | $46K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 366 | $557K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 366 | $557K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 366 | $557K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 366 | $568K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 667 | — |
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.