| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC MIDWEST | 409 EAST MONUMENT AVENUE, STE 400 DAYTON, OH 454021482 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $16K | $16K | 1.67% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | $1 | $6K | $6K | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC MIDWEST | 409 EST MONUMENT AVENUE, STE 400 DAYTON, OH 454021482 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY MIDWEST | 409 E. MONUMENT AVE, STE 400 DAYTON, OH 45402 | DENTAL CARE PLUS INC. | $3K | — | $3K | 5.98% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | DENTAL CARE PLUS INC. | $1K | — | $1K | 2.37% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE., STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 17.52% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.66% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE., STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.22% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $744 | — | $744 | 3.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INSURANCE | MARCH MCLENNAN AGENCY LLC 409 E MONUMENT AVE., STE 400 DAYTON, OH 45385 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $746 | — | $746 | 6.87% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $347 | — | $347 | 3.20% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE., STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $725 | $571 | $1K | 11.95% |
| HORAN ASSOCIATES INC.3 | 4990 EAST GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $359 | — | $359 | 3.31% |
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 | 166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 166 | $935K |
| Dental | DENTAL CARE PLUS INC. | 99 | $56K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 93 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $21K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.