| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE., STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 5.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 309 WEBSTER ST DAYTON, OH 45402 | SUPERIOR DENTAL CARE | $3K | $2K | $5K | 10.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE., STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $698 | $7K | 18.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE., STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.39% |
| MARSH & MCLENNAN AGENCY LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 21.81% |
| SUSAN MAE DANIEL3 Filed as: SUSAN SVARDA | — | ASSURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 19.32% |
| BRITTON JOHNSON3 | — | ASSURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.06% |
| MARSH & MCLENNAN AGENCY LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 21.67% |
| SUSAN MAE DANIEL3 Filed as: SUSAN SVARDA | — | ASSURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 19.89% |
| BRITTON JOHNSON3 | — | ASSURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE, STE 400 DAYTON, OH 45402 | AMERITAS LIFE INSURANCE CORP | $1K | $0 | $1K | 7.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST. DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE. STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $859 | $859 | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 21.91% |
| SUSAN MAE DANIEL3 Filed as: SUSAN SVARDA | — | ASSURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 21.12% |
| BRITTON JOHNSON3 | — | ASSURITY LIFE INSURANCE COMPANY | $626 | $0 | $626 | 6.14% |
| SUSAN MAE DANIEL3 Filed as: SUSAN SVARDA | — | ASSURITY LIFE INSURANCE COMPANY | $484 | $0 | $484 | 25.72% |
| MARSH & MCLENNAN AGENCY LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $412 | $0 | $412 | 21.89% |
| BRITTON JOHNSON3 | — | ASSURITY LIFE INSURANCE COMPANY | $126 | $0 | $126 | 6.70% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE | 156 | $52K |
| Vision | AMERITAS LIFE INSURANCE CORP | 316 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $50K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $154K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $22K |
| Other(5 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 234 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.