| 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 | $5K | $5K | $10K | 10.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 32332 COLLECTION CENTER DR. CHICAGO, IL 60693 | SUPERIOR DENTAL CARE | $5K | $0 | $5K | 9.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE, STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.65% |
| SUSAN SVARDA ENTERPRISES LLC3 | 375 INDUSTRY RD, SUITE A CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.78% |
| GERALD J DAVIS3 | 4525 SAINT ANDREWS CT MIDDLETOWN, OH 45042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.05% |
| DANA DENISE LINDSEY3 | 400 POSEY LANE, APT 113 DAYTON, OH 45459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.04% |
| MICHAEL R MAGOTEAUX3 | 2250 CARDO RD FT. LORAMIE, OH 45845 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE., STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $9K | 23.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE., STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST DAYTON, OH 45402 | AMERITAS LIFE INSURANCE CORP | $1K | $147 | $2K | 8.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE. STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $628 | $2K | 14.87% |
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 | 361 | 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) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE | 319 | $54K |
| Vision | AMERITAS LIFE INSURANCE CORP | 385 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 339 | $53K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 339 | $99K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 339 | $27K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 339 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.