| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | COMMUNITY INSURANCE COMPANY | $31K | $2K | $33K | 3.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE, STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST. DAYTON, OH 45402 | SUPERIOR DENTAL CARE | $2K | $1K | $4K | 11.12% |
| ALISON L PFEIFFER3 | 377 CLEAR SPRINGS CT CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $889 | $0 | $889 | 5.53% |
| GINA GEIGER ENTERPRISES LLC3 | 2620 LIBERTY ELLERTON RD DAYTON, OH 45417 | CONTINENTAL AMERICAN INSURANCE COMPANY | $408 | $0 | $408 | 2.54% |
| MICHAEL R MAGOTEAUX3 | 2250 CARDO RD FT. LORAMIE, OH 45845 | CONTINENTAL AMERICAN INSURANCE COMPANY | $341 | $0 | $341 | 2.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE., SUITE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $276 | $0 | $276 | 1.72% |
| ASSUREDPARTNERS3 Filed as: SARAH L SHEPHERD | 1106 DAFLER RD WEST ALEXANDRIA, OH 45381 | CONTINENTAL AMERICAN INSURANCE COMPANY | $237 | $0 | $237 | 1.47% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 1828 IRIS TRAIL WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $110 | $0 | $110 | 0.68% |
| BRANDEE R. HAND3 Filed as: BRANDEE R HAND | 10113 KINGSHYRE WAY TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | $0 | $93 | 0.58% |
| MATTHEW HAND3 Filed as: MATTHEW R HAND | 10113 KINGSHYRE WAY TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | $0 | $79 | 0.49% |
| MICHAEL R REBER3 | 20101 HERON CROSSING TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | $0 | $70 | 0.44% |
| KYLE RUSSEY3 Filed as: KYLE D DAFLER | 2431 HAWKINS RD RICHMOND, IN 47374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | $0 | $63 | 0.39% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | $0 | $54 | 0.34% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | $0 | $37 | 0.23% |
| ALEXANDER A ARTMAN3 | 102 POINTE VIEW DR. MARS, PR 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.13% |
| CHRIS D BOULDREY3 | 448 RIVER WOODS DR. FLUSHING, MI 48433 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.13% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT. CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.07% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL AVE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.04% |
| 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 | $2 | $0 | $2 | 0.01% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD. WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 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 | 108 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 134 | $1.0M |
| Dental | SUPERIOR DENTAL CARE | 76 | $34K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $43K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $43K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
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.