| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWER INSURANCE AGENCY LLC3 Filed as: BROWER INSURANCE AGENCY - MMA, LLC | 409 EAST MONUMENT AVENUE, SUITE 400 SUITE 300 DAYTON, OH 45402 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $33K | $33K | 2.54% |
| BROWER INSURANCE AGENCY LLC3 Filed as: BROWER INSURANCE AGENCY, LLC | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $435 | $8K | 14.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.99% |
| ECEC BENEFITS - WILSON BLDG3 | 120 EAST 4TH STREET S1500 CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52 | — | $52 | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMIN FOR STD BENEFIT | Claims processing Service code 12 | — | $5K |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 236 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $45K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $45K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $58K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $58K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.