| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE DAYTON, OH 45402 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $28K | $28K | 2.73% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 18.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 32332 COLLECTION CENTER DR. CHICAGO, IL 60693 | SUPERIOR DENTAL CARE | $3K | $0 | $3K | 8.94% |
| GINA GEIGER ENTERPRISES LLC3 | 2620 LIBERTY ELLERTON RD DAYTON, OH 45417 | CONTINENTAL AMERICAN INSURANCE COMPANY | $464 | $0 | $464 | 2.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE., SUITE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $332 | $0 | $332 | 1.70% |
| ALISON L PFEIFFER3 | 377 CLEAR SPRINGS CT CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $278 | $0 | $278 | 1.42% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 1828 IRIS TRAIL WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | $0 | $134 | 0.69% |
| BRANDEE R. HAND3 Filed as: BRANDEE R HAND | 10113 KINGSHYRE WAY TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | $0 | $117 | 0.60% |
| MATTHEW HAND3 Filed as: MATTHEW R HAND | 10113 KINGSHYRE WAY TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | $0 | $101 | 0.52% |
| MICHAEL R REBER3 | 20101 HERON CROSSING TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | $0 | $91 | 0.47% |
| ALEXANDER A ARTMAN3 | 102 POINTE VIEW DR. MARS, PR 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | $0 | $78 | 0.40% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | $0 | $65 | 0.33% |
| KYLE RUSSEY3 Filed as: KYLE D DAFLER | 2431 HAWKINS RD RICHMOND, IN 47374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | $0 | $59 | 0.30% |
| ASSUREDPARTNERS3 Filed as: SARAH L SHEPHERD | 1106 DAFLER RD WEST ALEXANDRIA, OH 45381 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | $0 | $57 | 0.29% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | $0 | $49 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | $0 | $42 | 0.22% |
| CHRIS D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.13% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT. CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.07% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL AVE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
| AMY C O'CONNOR3 Filed as: AMY C O'CONNER | 4118 GAGE WAY TIPP CITY, OH 45371 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
| JESSICA L MCGINNITY3 | 1954 TURNBULL RD DAYTON, OH 45432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD. WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $670 | $2K | 14.06% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $308 | $1K | 18.92% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $611 | $130 | $741 | 12.14% |
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 | 116 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 85 | $1.0M |
| Dental | SUPERIOR DENTAL CARE | 142 | $35K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 31 | $8K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.