| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST DAYTON, OH 45402 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $44K | $44K | 1.31% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 37 DAYTON, OH 45401 | HARTFORD LIFE AND ACCIDENT | $52K | $0 | $52K | 10.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $7K | $7K | 1.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 309 WEBSTER ST. DAYTON, OH 45402 | SUPERIOR DENTAL CARE | $7K | $5K | $12K | 7.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 32332 COLLECTIONS CENTER DR. CHICAGO, IL 60693 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.97% |
| SUSAN SVARDA ENTERPRISES LLC3 | 375 INDUSTRY DR, SUITE A CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $223 | $0 | $223 | 2.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE, STE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $193 | $0 | $193 | 2.33% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 1828 IRIS TRAIL WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | $0 | $86 | 1.04% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL AVE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | $0 | $85 | 1.03% |
| KYLE RUSSEY3 Filed as: KYLE D DAFLER | 2431 HAWKINS RD RICHMOND, IN 47374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 0.42% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.27% |
| TRISTAN GAINES3 | 357 AZALEA WAY NEW BRAUNFELS, TX 78132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.25% |
| MICHAEL R REBER3 | 20101 HERON CROSSING TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | $0 | $15 | 0.18% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.05% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE, STE 400 PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 37 DAYTON, OH 45401 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $924 | $0 | $924 | 12.00% |
| SUSAN SVARDA ENTERPRISES LLC3 | PO BOX 8127 CARLISLE, OH 45005 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $385 | $0 | $385 | 5.00% |
| GOODWIN3 | PO BOX 325 SEVEN MILE, OH 45062 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $77 | $0 | $77 | 1.00% |
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 | 325 | 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) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 481 | $3.3M |
| Dental | SUPERIOR DENTAL CARE | 243 | $159K |
| Vision | VISION SERVICE PLAN | 216 | $43K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 317 | $500K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 317 | $500K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 317 | $500K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 317 | $516K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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.