| 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 | $6K | $10K | $16K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 309 WEBSTER ST DAYTON, OH 45402 | SUPERIOR DENTAL CARE | $4K | $2K | $6K | 10.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE, STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 7.09% |
| SUSAN SVARDA ENTERPRISES LLC3 | 375 INDUSTRY RD, SUITE A CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.24% |
| MICHAEL R MAGOTEAUX3 | 2250 CARDO RD FT. LORAMIE, OH 45845 | CONTINENTAL AMERICAN INSURANCE COMPANY | $211 | $0 | $211 | 0.47% |
| GERALD J DAVIS3 | 4525 SAINT ANDREWS CT MIDDLETOWN, OH 45042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | $0 | $41 | 0.09% |
| DANA DENISE LINDSEY3 | 400 POSEY LANE, APT 113 DAYTON, OH 45459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | $0 | $38 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE., STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE., STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 28.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE, STE 400 DAYTON, OH 45402 | AMERITAS LIFE INSURANCE CORP | $1K | $0 | $1K | 7.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE. STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.50% |
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 | 275 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE | 176 | $58K |
| Vision | AMERITAS LIFE INSURANCE CORP | 338 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 275 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 274 | $164K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $27K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 275 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.